vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I have called and talked to XXXX XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

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 2024-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Chime Financial Inc
State: IN

Complaint narrative:
My account was closed by time XXXX of XXXX  after I complain to them that they gave my XXXX my information on my trim account and he took over my time account with the money in it and they automatically close my account and wouldn't let me back in it and he got my money and they locked me out of my account. My Experian credit report shows paid in full as of XX/XX/year> yet since XXXX Chime has been pulling my credit every month and sometimes XXXX and 4 times every month to date without my permission. I have called them I have wrote them a letter and still they're pulling it they do not have my permission they do not have any reason I have not tried to get a Time account I've not tried to get any credit cards I'm not trying to get any loans they are pulling my credit report and getting my personal information without my knowledge without my permission experience does not have my permission to let them pull my credit report my credit report should have been locked. 
This needs to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: NE

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 2024-07-15 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: TX

Complaint narrative:
My account with ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
I have called and talked to XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

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 2024-07-15 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: OH

Complaint narrative:
I have called and talked to XXXX and I have asked them to remove some hard inquiries off of my credit report because they were identity theft they are from XX/XX/XXXX through XX/XX/XXXX I have made a police report. I have constantly been asking XXXX to remove these hard inquiries now Im stepping in and coming to you guys. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC

Complaint narrative:
First I filed a dispute which took members resolution team 2 months and a hand written letter to headquarters for a response. I saw fradulent charges recieved a credit then six months later they USAA reversed the claim. When I saw this I called and they told me to send police report which said my WALLET was stolen, in the police report and they wanted a letter from XXXX XXXX as well. It was several months before I noticed this because my mother had a XXXX and one of the USAA RESOLUTION MEMBERS ( XXXX ) who took three weeks to call after I sent numerous voicemails, talked to numerous reps who told me to submit documents which they ignored for months. Police report, XXXX XXXX XXXX, and VA letter letting USAA know my direct deposit was sent mistakenly. XXXX awareness month was last month but it seems like predatory lending is being displayed at USAA. Two months they took my direct deposit and gave me the run around. XXXX XXXX why take the only income I have because now IM EVICTED because I missed rent for two months straight and I take care of my XXXX mother. Also, when he asked why it took so long to report the fradulent charges it was because my mother had a XXXX  XXXX so is he calling me a liar or is he being insensitive of my XXXX  XXXX? Some people dont see fraudulent charges for years so why is mine such a big deal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: OH

Complaint narrative:
My account with ( XXXX, XXXX XXXX XXXX ) was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXX, XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: KY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2024-07-15 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: WI

Complaint narrative:
I think my student loans- when being sold to servicer to services, have been mistakenly duplicated and so two different groups have my loans for roughly the same amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ProCollect, Inc.
State: TX

Complaint narrative:
Someone used my information to rent or lease and apartment and it went to my collections on my credit

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 2024-07-15 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: DC

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: KY

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX American Express Card XX/XX/2024 XXXX  Call : I called to ask about my credit card balance because the numbers weren't adding up. The woman on the phone told me that I had been overpaying, and my balance in my XXXX XXXX  Account is {$9700.00}. She told me that the only way I can access that money is to skip two months of payments ( XXXX and XXXX ) and pay the third month ( XXXX ), and continue doing this until all the money in my XXXX XXXX Account was used. During the two months that I don't pay, the minimum amount due will be taken from my XXXX XXXX  Account. Then the interest on the rest of my account balance would accrue and be taken out of my XXXX XXXX Account. Once I deplete the funds in my XXXX XXXX Account, I can opt out of the XXXX XXXX Program. If I overpay again in the future, they will send me a check. 

XX/XX/2024 XXXX  Call : I spoke with a man and told him I would like a check for the full amount that is sitting in my XXXX XXXX  Account, {$9700.00}. He confirmed that I do have that balance in my XXXX XXXX  Account. He said he can not issue me a check. He said the money in the XXXX XXXX  Account was being applied to my ending balance. I asked him where in the statement it shows that the ending balance is paid from my XXXX XXXX Account, and he referenced the paragraph at the bottom of the statement. I pointed out that that paragraph has no dates, no numbers, and so I have no way of tracking anything that is happening with my money, nearly {$10000.00}, sitting in that account. I said there are no line items on any of my credit card statements that reference the XXXX XXXX Account. Again, he referred me to the paragraph at the bottom of the statement. When I wasn't satisfied, he wanted to read me the paragraph out loud. I told him I have read the paragraph numerous times, and that it doesn't provide any of the information that I have been told about the XXXX XXXX Program today. I told him that it sounds like I am not going to be getting a check for my money, so I will begin filing complaints and contact my attorney. He continued trying to convince me of the validity of the XXXX XXXX XXXXXXXX, but I hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
This is not my account please see enclosed FTC report. I want this company to remove this and all negative reporting on all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: CA

Complaint narrative:
I looked at my report and noticed things are incomplete and not accurate. according to the Fair Credit Report Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates these accounts ( XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) are not complete or 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 2024-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
There has been a hard credit inquiry done under my name which I did not do at Capital one. I got an alert yesterday that a credit inquiry has been conducted at Capital One on XX/XX/year>. I called Capital One but they told me they can not do anything about it and I should contact a credit bureau such as XXXX which I did. Upon contacting I was told that to file the dispute and a fraud alert I also have to file a FTC report which why I am filing this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 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: CO

Complaint narrative:
I have disputed this fraudulent and unauthorized inquiry before and was removed from my credit report yet upon checking recently, it re-appeared. I do not recognize this inquiry, I already spent enough precious time it is so frustrating and exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-15 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: FL

Complaint narrative:
I looked at my credit report in XX/XX/year> and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and JM-Assoclates for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.

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 2024-07-15 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 looked at my credit report in XX/XX/year> and Saw that there were A few accounts that I did not recognize because they were not mine. These accounts violated my rights To privacy And I want them off my credit report immediately. The first account is XXXX XXXX for {$21000.00} and JM-Assoclates for {$18000.00} four times they have put this accounts on my credit report an I want it off my report. Also all the inquirys I did not authorized anyone to do as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Ivwas wrongfully charged for 10 yrs ( as per wellsfargo ) it wasnt a car-it was related to my mortgage and credit card. Ivwas given XXXX $ compensation but that amount was for car loans and i was wrongly charged on mortgage and credit card by wells fargo. I was told by a friend to makeca cimplaint b/c Wellsfargo continues to pay out incorrectly & this is why im submitting a complaint Ten years

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 2024-07-15 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: FL

Complaint narrative:
I kindly demand the removal of these inaccurate accounts from my credit report, as I never authorized their use. It is essential that you swiftly erase this misleading information from my records.

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 2024-07-15 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 have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX Account name : XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief