vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-17 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report 1 fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX XXXX XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

What would be a fair resolution to this issue? ( demand for relief ) : I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address ( XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I contacted Amazon Chase at XXXX on XX/XX/XXXX and spoke to a general customer service individual. I requested that they reverse the {$190.00} interest fee on my Amazon Chase Visa that was charged on XX/XX/XXXX AFTER my account was paid in full and had a XXXX balance on XX/XX/XXXX. I was told that she attempted to reverse the fee and it was declined. She explained that I still had to pay interest on the balance that I carried from XX/XX/XXXX until XX/XX/XXXX. I told her that I specifically looked at my statement and paid the FULL statement balance so I should have paid off the card in full, as was evidence by my account showing a XXXX balance. She offered no further assistance, so I requested a supervisor. He repeated the same information. As far as I am concerned, this is fraud. If a credit card customer, in good faith, pays off the full balance of a card, they should not be subject to additional interest. After the call, I reviewed my XX/XX/XXXX statement that included the {$190.00} fee and found that they used an imaginary balance of {$9800.00} to calculate the interest owed which does not correlate to a balance at any point in time on my card. Amazon Chase is defrauding customers by assessing additional interest fees on imaginary charges after the customer pays off their balance. I have been told that I need to pay {$190.00} by XX/XX/XXXX to avoid a late fee of {$39.00} and the current interest fee will also be subject to 29.99 % APR if not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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: CREDIT ACCEPTANCE CORPORATION
State: VA

Complaint narrative:
these deletions.

4. Notify me in writing of the results of your investigation.

Failure to comply with these requests may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) or legal action to enforce my rights under the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NY

Complaint narrative:
This is regarding account number # XXXX XXXX XXXX XXXX and # XXXXXXXX XXXX XXXX XXXX. I Have not been supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX. I Presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist. According to 15 USC 1681 EB and 15 USC 1681 I, you are suppose to assure maximum possible accuracy. These Accounts is not accurate to the Fair Credit Reporting Act. Delete accounts immediately for violating 15 USC 1681EB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
I have disputed this account numerous times with all ( 3 ) Credit Reporting Agencies. It is reported by GM Financial that in XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX the payments were 30plus days late. I have called GM Financial Numerous times to only be told an account with my Social Security number, Vehicle ID Number, Name, birthdate - does not exist in their system and does not exist in their archives. I even called today : I called GM Financial on the phone number listed on their website ( XX/XX/XXXX at XXXX XXXX  ) - I was asked for my Name, Phone number, Vehicle ID Number and my Social Security number and nothing came up. They asked me to call : XXXX, I spoke to XXXX ( XX/XX/XXXX at XXXX : XXXX XXXX  ) that could not find an account associated with my Name or Social Security number and she asked me to call : XXXX XXXX. ( XX/XX/XXXX XXXX XXXX  I spoke to XXXX XXXX who stated there is NO ACCOUNT OR VEHICLE IN THE SYSTEM TO MATCH MY NAME AND SOCIAL SECURITY NUMBER> DELETE THIS ACCOUNT FROM ALL ( 3 ) CREDIT REPORTING AGENCIES OR I WILL SUE. I have filed numerous DISPUTES with the Credit reporting agencies only to come back CLOSED AND UPDATED I asked for Debt Validation- NONE EVER GIVEN, I have asked for a PAYMENT HISTORY, THEY CAN NOT FIND IT. I Have been disputing/ contacting for over 6 months as the negative reporting on my credit history has made my credit score suffer and I had to get a higher interest rate on my home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: ID

Complaint narrative:
Deed/Title issue fraud alert = release of mortgage doc found i am the heir of this property Loan No : XXXX XXXX XXXX XXXX XXXX ) Prepared by XXXX XXXX First American Mortgage Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ph : XXXX Parcel No= XXXX Address : XXXX XXXX XXXX XXXX Property Type = XXXX This is fraud. The owner deceased as of XX/XX/XXXX and I am the heir ( XXXX XXXX XXXX ) XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am reporting this also to the courts as well. Probate court date set for XX/XX/XXXX. 
Work info above I can be reached at this address. This XXXX XXXX XXXX XXXX is a scam and fraud. 

From : Heir of estate XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
Im completely at a loss hereI checked my credit report this morning, as I usually do, and found accounts that dont belong to me. I dont understand how this could happen. I even thought my browser was acting up, so I refreshed it multiple times, hoping it was some kind of mistake or glitch. But no, the inaccurate accounts are still there. I dont know what to do, and Im truly desperate for help. Please take a thorough look at the documents Ive submitted. I cant keep living with this kind of uncertainty and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: AZ

Complaint narrative:
More than thirty days have passed since the letter was sent to Transunion regarding the dispute involving XXXX XXXX XXXX. The letter is attached showing the details of the dispute. According to USPS tracking the letter was Delivered XX/XX/XXXX, and I received notification about the dispute starting XX/XX/XXXX. Today is XX/XX/XXXX. 34 days have passed since the delivery and 31 days have passed since the email was sent to me, stating that the dispute was received. XX/XX/XXXX I sent in a complaint because I was led to believe that the investigation for this dispute was done and I just had not heard the results back, however Transunion responded the next day on the XXXX and said they were still investigating the dispute. We were still within the 30 day period, so I just stayed quiet for the last almost two weeks. But It is now after 30 days, Transunion is pretty much the only one that still has yet to remove the account, XXXX and XXXX have worked pretty expeditiously, so it's all up to Transunion now.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 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 am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report.

The fraudulent account I request to be removed is as follows : 1. Bankruptcy o Case Number : XXXX  o Date Filed : XX/XX/year> o Amount : {$00.00}

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 2024-12-17 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:
FCRA violations : 1. Reporting Future Dates ( FCRA Section 607 ( b ) ) Last Reported Date : XX/XX/year> Reporting future dates is inherently inaccurate and violates the FCRAs requirement for maximum possible accuracy. All information on a credit report must reflect actual, current data.

2. Charged-Off Account with Past Due Amount Payment Status : Collection Chargeoff Amount Past Due : {$1000.00} A charged-off account is written off as a loss for accounting purposes. However, continuing to report an amount past due can mislead creditors and violate Section 623 ( a ) ( 1 ), which mandates accurate reporting.

If the account is charged off, past due amounts should not accumulate unless the debt remains with the original creditor.

3. Balance vs. Credit Limit Discrepancy Balance : {$1000.00} Limit : {$700.00} The balance exceeds the credit limit, which can be accurate during active use. However, if this account is closed and charged off, it may indicate ongoing interest or fees. Reporting incorrect balances violates Section 623 of the FCRA.

4. Consumer Dispute Requirements ( FCRA Section 611 ) The Remarks state : Account information disputed by consumer, meets FCRA requirements.

Under the FCRA, when an account is disputed, the credit bureau and furnisher must conduct a thorough investigation and resolve inaccuracies within 30 days.

If the information remains inaccurate or unverifiable, it must be corrected or removed. This process must be transparent and completed promptly.

Summary of Violations : 1. Future Date Reporting ( XX/XX/year> ) violates Section 607 ( b ).

2. Improper Past Due Amount on a charged-off account.

3. Potential Balance Inaccuracy relative to the credit limit.

4. Failure to Properly Resolve Consumer Disputes under Section 611.

My consumer rights are evidently being violated and will be met with legal action if it is not handled accordingly. This is fraudulent and needs to be removed from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Paypal made a charge against my credit card for {$38.00} on XX/XX/year>. They show the charge was made by a company called XXXX '' I never heard of this company or ordered anything from them. When I contacted Paypal, the person I spoke with had a foreign accent and I was unable to communicate with her. I also tried to a web search or XXXX and could not find anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: GA

Complaint narrative:
I am disputing the above-referenced debt. Please verify this debt as required by the Fair Debt Collection Practices Act Because I am disputing this debt, you should not report it to the credit reporting agencies. I noticed some things are incomplete and not accurate .If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assume maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent a letter asking them them to reinvestigate these accounts because the opening date is not reporting correctly, date last active, date of correct., These accounts are not active. 
Aside from verification of the debt, do not contact me about this debt. 
The Fair Debt Collection Practices Act, 15 USC Section 1692c requires that you honor this request. Your cooperation will be appreciated. Please send updated credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
Document XXXX states that I lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL. That document is 100 % Fraudulent. I have never lived there in my life! You can look up my rental history to verify. That alone should be grounds for removal. Document XXXX states the same thing. Both of these are fraudulent documents and can be proven by reviewing my rental history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-17 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: NC

Complaint narrative:
I, XXXX XXXX, declare that the information listed below is a result of identity theft and is fraudulent. I have never authorized, or opened the accounts listed. This information is frivolous. I request an investigation into fraudulent activities related with my SSN and personal information. Pursuant to the provisions of the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611 ) ; Formal Request for Information : I am formally requesting the names and business addresses of each individual or entity you communicated with for verification purposes in relation to the fraudulent transactions identified in my credit report. This request aligns with my right to follow up on the information provided and to assist in this identity theft investigation. Attached is a copy of my government-issued identification and a copy of the identity theft report. I am requesting these fraudulent items removed immediately from my credit files. 
XXXX XXXX XXXX XXXX XXXX  Balance : {$380.00} : Date Opened : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$330.00} : Date Opened : Unknown?? 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$710.00} : Date Opened : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$4200.00} : Date Opened : XXXX XXXX, XXXX Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ) ; It is unacceptable, and a violation of federal consumer protection laws, that I continue to face harassment and fictitious debts due to the unauthorized account and unauthorized inquiries. Your agency failure to delete these fraudulent entries will be direct violation of my rights under FCRA Section 605B ( 15 USC 1681c-2 ) ( a ). The FCRA requires immediate removal of fraudulent information from credit reports following a valid identity theft report, which I have provided. Such inaction is further aggravating the distress caused by this identity theft. The fraudulent information has impacted my credit report, causing considerable psychological stress. I request assistance in investigating this matter and taking the necessary steps to resolve it promptly. Please inform me of any actions required on my part in response to this dispute. I am aware of my rights under federal laws relating to credit reporting and identity theft. Failure to act in accordance with legal obligations will force me to get an attorney.

Company response to consumer: Closed with non-monetary relief