vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I am writing to convey an overwhelming sense of urgency and frustration that can not be overstated. It has come to my attention that despite my repeated efforts to resolve the matter, fraudulent accounts persist on my credit report. This constitutes a flagrant violation of my consumer rights and is utterly intolerable. 

Your persistent failure to address this issue is not only unacceptable but also deeply troubling. The presence of these fraudulent accounts is tarnishing my financial reputation and causing considerable distress. As a victim of identity theft, the negligence of your bureau only exacerbates the severity of the situation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX 

I demand immediate action on your part to cease reporting these fraudulent accounts on my credit file. Your inability or unwillingness to do so reflects a gross dereliction of duty and a blatant disregard for the law. It is abundantly clear that the practices of your bureau are inadequate and must be rectified without delay. 

Furthermore, I anticipate a written response from you within the next five business days, confirming the removal of these fraudulent accounts from my credit report. Additionally, I insist on receiving comprehensive documentation outlining the steps taken to investigate and resolve this matter. 

Let me be unequivocal : should these demands not be promptly met, I will not hesitate to pursue legal action against your bureau. The repercussions of your inaction will be severe, and you will be held accountable for the significant harm inflicted upon my financial well-being.

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 2024-05-10 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: GA

Complaint narrative:
I would like to dispute off the following items on my credit report. 

Equifax : XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX XXXX XXXX Account Number : XXXX {$300.00} XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$510.00} XX/XX/XXXX XXXX : Bankruptcy XXXX  XXXXdischarged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX {$300.00} XXXX  XXXX XXXX  Account Number : XXXX {$550.00} XXXX  XXXX XXXX  Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00} XXXX XXXX XXXX Account Number : XXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX : XXXX  XXXX bankruptcy discharged Case Number : XXXX XXXX XXXX XXXX Account Number : XXXX {$13000.00} XXXX XXXX  XXXX XXXX Account Number : XXXX {$300.00}. 
XXXX XXXX XXXX  Account Number : XXXX {$550.00} XXXX XXXX XXXX Account Number : XXXX {$1000.00} XXXX XXXX Account Number : XXXX {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Received unwanted marketing or advertising
Company: OPORTUN FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received my XXXX report Around XX/XX/2024. I had Oportun who I have no clue who it is and never have been affialated with this company. Show up on my XXXX Report on the dates of XX/XX/2024, XXXX, XXXX, XXXX, and XXXX with all the details that i will attach as evidence to this complaint. With me not even knowing who they are or how they got my private person information. Which for starters it is identity theft. Im sure if they have my information they are probably selling my information on the secondary market unjustly enriching themselves. I never gave this company consent to have my information. Now more proof of this is on my XXXX credit report on XXXX, XXXX, and XXXX ( will attach evidence as well ). Oportun has sent me mail several times when I do not know them. Or want to know them and they do not have the consent to do so. I scanned like XXXX or XXXX notices they sent me in mail to prove this as well. It is harassing me at this point too. They have cause me harm on my reports, stress and very worried about how n why they have my information What other consumer laws and rights they are violating against me. I am giving them one chance the opportunity to cure or i will report them to all the government agencies, and make a small claims Immediately! If i have to take the time, energy, and everything i know it takes to file the claim. I am letting them know now that it will be causing more harm and mental stress, which i will be asking for more damages for the harm done. I will go through title 15 of the U.S. codes and make sure I get violations that i believe they are violating besides identity theft and few others ( GLBA [ 15 usc 6802 ], FCRA [ 15 usc 1681 ], FDCPA [ 15 usc 1692 ], UDAAP, knowing each violation could be {$1000.00} w out damages ) i can think of off top of my head. Anyway i am not making this long. I have already made sure i got both my XXXX Report & my XXXX Report so I have the evidence to make my claim if you fail to take my act of good faith to cure the harm you are liable for. Now, because you have my private personal information without my consent. If you do not wish to cure the harm you are liable for. Please send me a statement of penalty of perjury that you are not selling my information on the secondary markets for unjust enrichment. Also stating who you have received my information from and what you paid for it or however you got it. And what steps you took to protect it so you would be not violating the Gramm Leach Bliley act ( GLBA ). Please send me the names and companies of anything that has to do with my name and personal information. Please response within 10 days of receipt of this notice or i will start my small claims filing. I thank you in advance for you rapid response

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct 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 non-monetary relief
Consumer complaint received 2024-05-10 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: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXXXX/XX/XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XX/XX/XXXXXXXX Balance : {$0.00} XX/XX/XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: IL

Complaint narrative:
Ensuring punctuality in my payments is a priority. However, what perplexes me is the occasional reporting of late payments by this company, contrary to my records. As per USC 1666b, rectifying billing errors promptly and reflecting payments accurately is mandatory.

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 2024-05-10 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I tried to contact the company and say that someone stole my identity but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with fraud alerts or security freezes — 
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
I tried to contact the company and say that someone stole my identity but nothing was done

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
This complaint is about my Chase account ending in XXXX. 
I've had this checking account for many years. 
A couple of years ago I linked an external business account with XXXXXXXX XXXXXXXX that belongs to me, so that I can transfer funds back and fourth between my Chase account and my business account at XXXXXXXX XXXX. In order to link the account I had to verify two small deposit amounts and it took a couple of days. 
Since then, over the last two years, I have transferred funds back and fourth between my Chase account and my XXXX account, without any problems. 
A week ago I initiated another transfer of {$3500.00} from my XXXX account to my Chase account. later that evening I got a call from Chase at around XXXX, I missed the call but called right back and asked why did they call me, the representative didn't know, I mentioned that I had a transfer in progress so maybe that's the reason, he transferred me to the money transfer team at Chase. 
The representative from the money transfer team said that they weren't able to verify the account ownership so they canceled the transfer and advised me to try again. 
I tried transferring again but couldn't because Chase de-linked my XXXX account from my Chase profile. So I went ahead and re-linked the account, it took a couple of days as I had to verify two small deposits. 
After I re-linked the account, I initiated another transfer ( yesterday, XX/XX/year> ) for {$3000.00}. Today I got a call from Chase, the representative asked me if I'm XXXX XXXX and I said yes, then he hung up. I called right back and asked to speak to the money transfer team because I assumed they called to verify information for my transfer, and I offered to verify anything needed. The representative refused to try to verify the account ownership and just said they couldn't verify, I explained to her that they called me to verify but hung up before talking to me, she did not care at all and refused to help me, I requested to escalate but hit a wall. 
This is very frustrating because I rely on my Chase account as my primary account and I used it to transfer funds, the inability to do so hurts my financial life, and it resulted from of Chase 's incompetency and their failure to perform basic servicing tasks such as funds transfers and phone verifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: OH

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-05-10 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: MA

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-10 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: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement XXXX  days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 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: PA

Complaint narrative:
Credit Reporting Agencies are reporting an inaccurate and illegal collection account XXXX XXXX XXXX XXXX account number XXXX to my credit report. The collection account in question was furnished by XXXX XXXX XXXX XXXX without my permission. This action is in violation of the Fair Debt Collection Practices Act 15 USC 1692. I have not signed any contractual agreements with XXXX XXXX XXXX XXXX or authorized them to access my credit report or furnish information about me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose. XXXX XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA. Therefore, the inclusion of this collection account on my credit report is not only inaccurate but also an infringement of my rights under the FDCPA, and must be removed from my credit reports.

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 2024-05-10 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: PA

Complaint narrative:
Credit Reporting Agencies are reporting an inaccurate and illegal collection account XXXX XXXX XXXX XXXX account number XXXX to my credit report. The collection account in question was furnished by XXXX XXXX XXXX XXXX without my permission. This action is in violation of the Fair Debt Collection Practices Act 15 USC 1692. I have not signed any contractual agreements with XXXX XXXX XXXX XXXX or authorized them to access my credit report or furnish information about me. The law does state that before a company collect any information about me, they have to first get my authorization to access my credit report for any purpose. XXXX XXXX XXXX XXXX did not follow proper protocols and is non-compliant with the FDCPA. Therefore, the inclusion of this collection account on my credit report is not only inaccurate but also an infringement of my rights under the FDCPA, and must be removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: SOFI TECHNOLOGIES, INC.
State: AL

Complaint narrative:
I had tax returns directly deposited into my XXXX  XXXX  account. Was told after XXXX  days of the last deposit, I would have my bonus money for the transactions. I have talked to them too many times to count and it hasn't went in my account yet. I've spent so much time speaking with them to lie waste my time. I demand compensation for this issue and time spent dealing with XXXX. I have reached out to an attorney as well due to all of the lies. It's been it's been over XXXX  months now

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-10 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:
FCRA 605B, I believe, requires us to remove any incorrect accounts from my credit report. Could you please check the documents? Some of the listed accounts have inaccuracies in reporting, with incorrect amounts and dates.

Company response to consumer: Closed with explanation