vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXl [ XXXX ] [ XXXX ] [ XX/XX/2023 ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX XXXX XXXX, Iowa XXXX Subject : Request for Assistance in Enforcing Identity Theft Reimbursement from Experian Credit Bureau Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to seek your assistance in enforcing my claim for identity theft reimbursement from Experian Credit Bureau. I believe I have been a victim of a severe case of identity fraud that has caused significant financial and emotional distress, and I am seeking reimbursement in the amount of {$500000.00} to address the damages incurred. 

I have been a diligent consumer, actively monitoring my credit profile to ensure the security of my personal and financial information. However, despite my best efforts, I recently discovered that my account has been compromised by fraudsters who conducted unauthorized transactions and activities, resulting in substantial financial losses. 

I have diligently followed the procedures outlined by Experian Credit Bureau for reporting the identity theft and have submitted all necessary documentation and evidence to support my claim. However, I have encountered challenges in receiving a timely and adequate response from Experian regarding the reimbursement of the damages suffered. 

Given the magnitude of the financial losses and the distress this incident has caused, I am turning to the Consumer Financial Protection Bureau to request your intervention and assistance. I kindly ask that you use your authority and influence to ensure that Experian Credit Bureau thoroughly investigates my case and provides me with the appropriate reimbursement of {$500000.00}, as I believe this is a fair and just compensation for the damages I have incurred. 

I have enclosed copies of the documentation I have submitted to Experian as evidence of the identity theft and the financial losses I have experienced. I trust that your expertise and commitment to consumer protection will help expedite the resolution of this matter and bring a swift and satisfactory conclusion to my claim. 

Thank you for your attention to this urgent matter. I eagerly anticipate your intervention and any support you can provide in enforcing my claim for reimbursement. Please feel free to contact me via email or phone if you require any additional information or details. 

Sincerely, 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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent letters to the credit bureaus regarding 3 debt collectors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) who engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of a Identity Theft yet I have an items passed on that should be taken out. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX  XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY, XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
This ALDOUS ( XXXX XXXX XXXX ) collection has been paid and is inaccurately reporting on my XXXX report. I have sent multiple complaints to have it removed. It has been removed from XXXX and XXXX so now it is in violation of 15 USC 1681eb for inaccurate reporting. I have attached my last dispute letter to transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I received an email a few months ago that Bank of America ( BoA ) would close a checkings account in my name. I had never opened an account with them. When I called, the rep said I would receive a packet in the mail in order to file fraud. When the packet came in the mail, it asked for copies of several of my credentials. I did not feel comfortable doing so. I went into a BoA branch and asked them to verify the account was closed. They said it was. 
A few months after that, I received a letter in the mail saying another BoA Checkings account in my name would be closed. I received a Bank of America {$700.00} check for the remaining balance on that account. Someone opened the account in my name and received several XXXX payments in one day. I have not cashed the {$700.00} check. However, I do not want accounts to keep being opened in my name. How can I stop this?

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
On XX/XX/2023, unbeknownst to me, I was added as an authorized user to a XXXX XXXX credit account that I did not consent to. As a result, my credit score decreased XXXX points. XXXX XXXX could not find me on any account so I contacted Experian. They contacted someone ( I dont know who ) to dispute and remove me from said account. As of today, XX/XX/2023, I am no longer seeing that account and am under the impression I was successfully removed. However, this resulted in an additional XXXX points removed from my credit score. Authorized users are not responsible for the debt of the cardholder, whether they give consent or not. I am demanding that this affiliation be removed from my credit report, restoring my score to its correct number within 30 days pursuant to the Fair Credit Reporting Act and that a new credit report is sent to me once this has been completed.

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 2023-08-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
See previous complaint w/ XXXX XXXX and XXXX XXXX . This time, Merchants Credit Assoc. has sent the request, with the correct account number and dates of service. However, as before, I paid this bill before XXXX sent me an invoice. I have no idea why XXXX sent this same matter to multiple collection agencies before they sent me a bill, especially since I already paid it. 

I got no response from XXXX through CFPB from my previous complaint, but they did try to call me with a robot a couple of times. I usually ignore it, but when I answer, the only option they give is to pay them over the phone what they think I owe.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Filed/Reported : XX/XX/2013. Please delete this item immediately.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is one of my multiple attempts to notify Experian and XXXX credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2023-08-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
I had asked for a credit increase to my amazon store card back in XXXX that was denied. My credit limit then was XXXX XXXX In XXXX I was notified by XXXX XXXX that this account had reduced my credit line impacting me negatively. It also made sense when I looked into it knowing i had transactions on XXXX declined because again that credit line had been reduced. 

I contacted synchrony which provided me as evidence my XX/XX/XXXX letter of the denial for my limit increase. They have yet to provide any letter or proof of that notification. I have asked why i was notified my my credit monitoring service, and for an increase back to my original credit line. Changes like this impacted me negatively by both making my credit utilization to almost 100 % on that line, while leaving me to improperly plan expenses. This should never happen and they should address concerns like this more accurately.

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 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXXXX/XX/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 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
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
The items I am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. Also, the information you provided on some items are DELETED from other bureaus and I have doubts about their accuracy and they are a mystery to me, I dont remember I missed a payment. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the adverse information on the items be removed to correct the information. 
XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXXXXXX 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08 00:00:00
Product: Credit reporting, credit repair services, 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:
Subject : Dispute of Inaccurate Student Loan Accounts Under FCRA Rules Dear Consumer Solutions, I am writing to formally dispute the accuracy and validity of several student loan accounts that are currently appearing on my credit report. These accounts have a significant impact on my personal livelihood and financial well-being, and I am seeking their removal in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. 
Below are the account details for the disputed student loan accounts : * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX * Account Name : XXXX XXXX * Account Number : XXXX * Reported On : XXXX I wish to bring to your attention that these accounts are no longer present on my credit report. Their presence is causing unwarranted harm to my credit score and overall financial standing. I have diligently managed my credit obligations and have adhered to responsible financial practices, and it is crucial that my credit report accurately reflects this.

In accordance with the FCRA, I kindly request an investigation into the aforementioned student loan accounts. As per FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to accurate and up-to-date information on my credit report. Moreover, FCRA Section 611 ( a ) ( 1 ) ( B ) mandates that if any information is found to be inaccurate or can not be verified, it must be promptly deleted from my credit report.

Please provide written confirmation of the initiation of the investigation within five business days, as stipulated by FCRA Section 611 ( a ) ( 2 ). Furthermore, I request that you provide me with a written update on the progress of the investigation and its outcome, in compliance with FCRA Section 611 ( a ) ( 6 ) ( A ) ( iii ).

I am committed to resolving this matter and ensuring the accuracy of my credit report. Your prompt attention to this dispute is greatly appreciated. If necessary, please feel free to contact me to discuss any further details or clarifications. 
Thank you for your immediate assistance in this matter.

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