vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not provide authorization or instructions for the incorporation of these transactions into my consumer report. As a result, I formally request the blocking and elimination of these accounts. I want to emphasize that this request is devoid of any errors or misrepresentation of pertinent facts.

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 2024-03-06 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: TX

Complaint narrative:
XXXX, XXXX, and Experian all report a XXXX  XXXX Bankruptcy in Public Records. They say that they got the information from USBK Court XXXX XXXX.The U.S. Bankruptcy Court, XXXX XXXX XXXX XXXX does not report information to any credit reporting agency. The Court does not have any control or jurisdiction over credit reporting agencies. They sent me their sealed documentation stating this. This is a violation of my privacy as provided thru The Privacy Act of 1974, the right to Opt Out, using 15 USC 1681 ( b ) Permissable Purposes, 15 USC 1681 ( a ) ( 1 ), and 15 USC 6802-6805, Obligations and Enforcement.

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 2024-03-06 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : 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 2024-03-06 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 recently received a copy of my credit report i was utterly shocked to learn that i have been a victim of identity theft i found numerous accounts on my credit report that were not opened by me. this has been hurting me as i am in the process and trying to buy a home for my family. 

Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account number : XXXX Account name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : 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 explanation
Consumer complaint received 2024-03-06 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 don't know where this XXXX XXXX account come from or why it is showing on my Experian and XXXX credit report. Please assist me in getting this account removed from my 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 explanation
Consumer complaint received 2024-03-06 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: LA

Complaint narrative:
How am I late on payments after a car was repo? 
The vehicle was repo and defaulting on payment at this point .The reporting of late payments after a repo occurring is an error leaving the deficiency balance.The vehicle was repo and defaulting on payment is in accurate. Reporting late payments is a factual error. The account was identified as a repo but you still report late payments.Since the vehicle is no longer in my possession it will be impossible for me to default on a payment .I have the right to an accurate credit file and discrepancies like this is unacceptable so please immediately remove this account and its entirely from my credit file.A monthly payment should not exist after a repo.XXXX XXXX account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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:
My information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. lam attaching proof that XXXX has admitted that'l was in fact a victim of this data breach and XXXX has done nothing.Please help me delete these illegal accounts 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 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Under Wells Fargo auspices, I led to believe I was making a transaction into a dummy account to stop payment and return wired bank transaction money from foreign country..

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I sent XXXX XXXX, XXXX, Equifax and XXXX documents stating that I am a victim of identity thief. XXXX, XXXX and Equifax all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXX  # XXXX Bal {$2100.00} date opened XXXX closed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent XXXX XXXX, Experian, XXXX and XXXX documents stating that I am a victim of identity thief. XXXX, Experian and XXXX all removed XXXX XXXX account the reinserted it after the dispute was completed. I Call them all and the said this XXXX XXXX account can't be removed or re-disputed. I sent them all a copy cover letter, ID, XXXX, XXXX XXXX, police report notarized. XXXX XXXX XXXXXXXX # XXXX Bal {$2100.00} date opened XXXX closed 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 2024-03-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Capital One has run my credit multiple times without my knowledge on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX discover has access my credit without my knowledge on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 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: VA

Complaint narrative:
I have disputed this account on multiple occasions yet the information remains unchanged and it's clearly reported inaccurately because the Date Opened does not match across the three Bureaus, the Closed Date doesn't not match across the three bureaus, the last payment date does not match across the 3 bureaus. According to the FRCA It's important to have an accurate and fair reporting to avoid injury. Right now I might miss a job opportunity because of this inaccurate reporting on my credit. Please investigate and remove NOW. I have attached my credit reports to show the inaccuracies month to month.

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 2024-03-06 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: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I have disputed this account on multiple occasions yet the information remains unchanged and it's clearly reported inaccurately because the Date Opened does not match across the three Bureaus, the Closed Date doesn't not match across the three bureaus, the last payment date does not match across the 3 bureaus. According to the FRCA It's important to have an accurate and fair reporting to avoid injury. Right now I might miss a job opportunity because of this inaccurate reporting on my credit. Please investigate and remove NOW. I have attached my credit reports to show the inaccuracies month to month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 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: SC

Complaint narrative:
Dear Transunion, I am writing to dispute the following information that appears on my Transunion report from XX/XX/XXXX : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I never authorized this lender to make a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I am a victim of identity theft and I never authorized this inquiry. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 
Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
I personally signed and sent this letter. 
Sincerely, XXXX XXXX FTC Report 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 explanation
Consumer complaint received 2024-03-06 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I Saw this on my XXXX XXXX app a couple of weeks ago. There is a balance of {$860.00} on my credit from Barclay Bank of Delaware. I called them and they said that this is a charge card that was opened in XX/XX/2023. I told them that it's not mine. They told me that they would note this on their end. They advised me to file a dispute with the XXXX credit bureaus. I did this. Now I just received correspondence in the mail stating that this appears to be legit. I'm still stating that this charge card, balance, whatever is not mine. I also wanted to note : I've never received a bill, credit card, nothing. As I stated, I saw it on 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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, TRANSUNION and XXXX ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.

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 2024-03-06 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: FL

Complaint narrative:
I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX consumer report that is being furnished by XXXX, XXXX and EXPERIAN ( CRAs. The CRAs are furnishing this consumer report, divulging private information without the express written authorization of the Surety. This unauthorized activity by the CRAs has caused serious harm. This is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury if CRAs fail to CEASE & DESIST reporting without the consent of Surety.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

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 2024-03-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I submitted a credit repair request to a company, but they still failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now submitting a complaint to the CFPB to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Commencing on or about XX/XX/2023, I fell victim to XXXX multi-layered scam operations run by XXXX  XXXX XXXX ( XXXX XXXX XXXX ) ( the Fraudsters or Company ), which involved me making deposits for a total amount of XXXX USD from my Chase Bank account to fraudulent investment firm ( XXXX ). 

When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Chase Bank did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Chase Banks XXXX XXXX my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Chase Bank promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Chase Bank was in compliance with its own policies and procedures ; ( v ) whether Chase Bank owed duties to myself, what the scope of those duties was, and whether Chase Bank did not uphold those duties ; ( vi ) whether Chase Banks conduct was unfair ; and ( vii ) whether Chase Bank has within its power the ability to, and should, compensate me for the harm that has befallen me. 

Upon identification of such unusual or suspicious activity, it is crucial that the relevant staff member adequately describe the factors making an activity or transaction suspicious, thoroughly depict the extent and nature of this activity, and properly communicate to the customer that such activity meets the relevant criteria of fraud. 

In providing its services to a customer, a financial institution is required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is being scammed. In other words, Chase Bank must have had special knowledge of what was occurring or been alerted to a real possibility of fraud taking place. The financial institution must have known or reasonably ought to have known that I was dealing with a scammer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
XX/XX/XXXX Opened account with venmo. MADE SURE my identity was verified.connected account with plaid through the venmo portal. BANK ACCOUNT WAS VERIFIED AND CONNECTED. I AGAIN MADE SURE MY ACCOUNT WAS GOOD TO GO AND WAS READY TO USE. TRIPLE CHECK MY IDENTITY WAS VERIFIED. RECIEVED MY FIRST PAYMENT of XXXX from a known person who Is a verified account holder through venmo. I TRIED TK TRANSFER SAID FUNDS TK MY BANK ACCOUNT. IT FAILED SENT A XXXX XXXX PAYMENT BACK TK THE PERSON WHO SENT ME MONEY JUST TO SEE ID XXXX WAS WORKING. IT WENT TROUGH JSUT FINE I AGAIN TRG TO TRANSFER THE FUNDS I RECIEVE AND EMAIL STATING MY ACCOUNT WAS FROZEN PENDING IDENTIFICATION VERIFICATION. I Immediately send in all required documents plus a bank statement and a photo of me holding my ID card. I email and ask what policy I broke and for a time stampe of said violation. I only receive automated responses XX/XX/XXXX I reach out again asking what policy I broke to get no answer. I continue to request information and I am dismissed until XX/XX/XXXX When I receive an email statement saying my account was resolved and restored. I try to transfer fund again. To which I find I can not still. I again send a XXXX XXXX payment and XXXX XXXX XXXX  payment to friends to see if my account was working. I try to transfer funds again to which I can not do. I Immediately received an email stating my account was again frozen pending identity documents. I forwarded all past emails and resend documents. Plus bank statements I request information on what policy I broke I only received automatic response I continue to asks what I can do to fix my account ibget no different information. XX/XX/XXXX I received an email stating my account was permanently banned and they will hold my funds for 180 days then decide if I can receive them or not I have requested documentation of what policy I broke and times stamps I have submitted all documents They will not help me at all. XXXX may not be a lot of money to some people but to me it's detrimental. Please help XXXX They have told me they will not communicate with me any longer they are doing this to account holders I'm mass amounts

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-06 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: KY

Complaint narrative:
I started receiving phone calls from a company called Harris & Harris , LTD a debt collector. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX after several phone calls from them at all hours, I sent them a debt validation letter via regular USPS mail , and in my correspondence I requested to be contacted via USPS mail only and NO PHONE CALLS. 

I received no response to my letter but the phone calls kept coming. My attorney advised me to send another debt validation letter via certified mail which I did. I sent it certified on XX/XX/year> and Harris & Harris received it on XXXX. USPS tracking # XXXX. 

I received a phone call on XX/XX/year> @ XXXX XXXX from Harris & Harris. They will not respond to my asking for validation of the alleged debt.

Company response to consumer: Closed with explanation