vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-22 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: GA

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.

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 2024-07-22 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: GA

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. My personal information was used without my consent and or knowledge. I went and obtained a police report like the rep instructed me to do. I also filed a report with the federal trade commission, as instructed. I sent all the information into all three major credit bureaus. They removed some of the accounts off, over time others started to show. When I disputed the new fraudulent accounts they responded with the accounts were verified. I asked by who and how to no avail. Also accounts that had been removed for several months were reinserted with no warning. I am not sure as to why this is happening, however we as consumers have to be protected. something needs to happen this has gotten out of control. Please assist me in my endeavor to restore my reputable credit. Thanks in advance for your assistance in this matter. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure what that is.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXXXXXX XXXX  # XXXX {$1300.00}XXXX XXXX XXXX # XXXX {$600.00}, XXXX XXXX # XXXX {$180.00}, XXXX XXXX  XXXX # XXXX {$780.00}, XXXX # XXXX {$0.00}, XXXX # XXXX {$0.00}, XXXX  # XXXX {$63.00}, XXXX XXXX XXXX  # XXXX {$540.00}, XXXX XXXX # XXXX {$4000.00}, XXXX # XXXX {$720.00}

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 2024-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had my account closed today, I reached out to chime to see what happened I recently used my card at the store yesterday everything was fine, now all of a sudden my account was closed today and when I reached out to find out what caused my account to be closed I was told I went against their policy but when I asked what exactly happened that went against their policies because I was just using my card, I was informed that they couldnt provide any further information and my account will be closed permanently and I still had money inside the account, usually with these types of situations I know am I supposed to receive full details about why my account was being closed, this is the first bank account I dealt with that couldnt provide full details when something like this happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with convenience check
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I request to get my credit in favor in my credit card in a form of check for the amount of XXXX $ sent to my address back in XX/XX/year> but I never got it and I tried to called several times to resolve this issue and they bank didnt gave me certain information of the status or the tracking of my check, they also saying that they arent allowed to issue a new one, and they also cant confirm me of the check was deposited by a third person or if was missing, they leaving me in lost for the amount of money previously said

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 2024-07-22 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: CA

Complaint narrative:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 


XXXX 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 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 2024-07-22 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:
I have been requesting for some time now to have the false and inaccurate information on my credit report to be corrected and removed, but I have been consistently ignored. I know I have rights as a consumer and it is blatantly being violated, this is really insulting and hurting my feelings badly. My life and credit score has been impacted negatively because of these errors being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EdFinancial Services
State: FL

Complaint narrative:
I have called so my times regarding disputes comments I need to remove from my XXXX  account and XXXX credit bureau been going on since XX/XX/XXXX I'm in a process of buying a house with that disputes comments I'm going to be homeless by XX/XX/XXXX with my family I don't know what's else to do I already send a letter regarding the same thing I need help the disputes comments most remove ASAP I do not want to disputes the XXXX  and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My consumer report is showing addresses and names that are incorrect. I have attached supporting documentation so my personal information can be updated immediately. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, P.A, XXXX. This is the only personal information that should be reporting on all three credit agencies.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
My consumer report is showing addresses and names that are incorrect. I have attached supporting documentation so my personal information can be updated immediately. My name is XXXX XXXX XXXX my address is XXXX XXXX XXXX XXXX, P.A, XXXX. This is the only personal information that should be reporting on all three credit agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advanced Resolution Services Inc.
State: CA

Complaint narrative:
I just received a letter from XXXX still avoiding to do as I ask which was to give me a copy of my consumer file and to place a security freeze on my account. I have made repeated attempts since last year ton obtain my file. They claimed they could not verify my identity although I gave them all of the necessary documentation for them to be able to do so. They insisted that could not verify my identity. How do they have a file on me if they dont know who I am? This is contradictory within itself, but I digress. By them stalling to place.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Web administrator acting as dictator over customer account. 
Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Web administrator refuses to give customer name of open credit account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Web administrator acting as dictator over customer account.

Web app & mobile app displays closed-end account of a false alias when given name is an open end account. Web administrator refuses to give customer name of open credit account. Banker stated on the clerks side of computer ; given name is viewed correctly than on customer side of mobile application a false alias is displayed with closed end credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED.

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE.

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
MY PERSONAL INFORMATION WAS LOSS/STOLEN AND REPORTED. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB .

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 


I looked at my credit report on XXXX, XXXX  and noticed some things are incomplete and not accurate. According to the fair credit reporting 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 to according to 15 USC 1681 ( e ) ( b ). 

According to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information.

( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are suppose to 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 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 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one never sent me the periodic statement along with the disclosures from section 1637b i have requested proof that this information be mailed are delivered 21 days before the payment due date and this information was requested in good faith pursuant 1002 and it was never provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-22 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: TX

Complaint narrative:
unfortunately, I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2024-07-22 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: DISCOVER BANK
State: MD

Complaint narrative:
Multiple credit inquiries to my information on same day to multiple lenders. None were initiated by myself. The inquires were made by : Discover financial services XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-23 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: Freedom Mortgage Company
State: FL

Complaint narrative:
I feel that my mortgage is being dual tracked. My statement makes no mention of my forbearance plan that was approved in XXXX. I have paid both XXXX and XXXX forbearance payments on time. I received a letter warning of foreclosure tracking only the full mortgage payment being two months behind after my forbearance went into place. My statement is holding my forbearance funds as partially paid balances and not applying to my loan as current. The reason why I recognized this is all three credit agencies warned me of a negative mark. I have filed a dispute with all three agencies noting i am current on my forbearance plan that went effective mid XXXX. I have asked Freedom Mortgage in five online messages and two calls to customer service to rectify my statement. No one seems to understand the rules in customer service because all three credit bureaus note in their policies that forbearance accounts as long as terms are followed should be reported as good 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 2024-07-23 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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