vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HW Holding, Inc
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told XXXX, XXXX, and XXXX to reinvestigate these accounts because there are several inaccuracies such as amounts, dates, and the other false information claims. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration 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
Consumer complaint received 2024-06-28 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: NY

Complaint narrative:
RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX EMP Employer - XXXX XXXX XXXX Incorrect DOB : - XXXX Incorrect CurrentAddress : - 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX  ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

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 2024-06-28 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: AZ

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my XXXX XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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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 2024-06-28 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account Name : XXXX XXXX Account number : XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the follow up. Please send me an updated copy of my credit report after your reinvestigation. 













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Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval. I'm a victim of identity theft and have reported this incident. 

This situation is severely impacting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and take legal action if needed to protect my rights and seek compensation.

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 2024-06-28 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: GA

Complaint narrative:
I'm contacting you about fraudulent personal information linked to my identity. Accounts and transactions have been wrongly attributed to me without my awareness or approval. I'm a victim of identity theft and have reported this incident. 

This situation is severely impacting my financial status and reputation. I request your help in swiftly removing all fraudulent data from my credit report and thoroughly investigating this issue. I'm ready to provide necessary evidence and take legal action if needed to protect my rights and seek compensation.

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 2024-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify 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 non-monetary relief
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I provided a copy from the IRS the 1099C and showing the Cancellation of Debt. I have been having problems with Capital one updated the system since XX/XX/year>, to have this corrected. Now my accounts are showing XXXX days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : XXXX  BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX DP OF EDUC XXXX XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC XXXX XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX XXXX XXXX - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX DP OF EDUC - XXXX XXXX OF XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX Listed below are the Inquiries that are being challenged 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  PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED XXXX  DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Affirm Holdings, Inc
State: AL

Complaint narrative:
I purchased an item from XXXX on XXXX for {$220.00} Order # XXXX. My form of payment was using the AFFRIM XXXX  Card. 
On XX/XX/2024 I returned the item and XXXX received it on XXXX. They refunded {$220.00} back to the AFFIRM XXXX  Card. 
My complaint is with AFFIRM. They are not honoring this credit & saying there is a {$2.00} discrepancy. They tell me that I will have to pay them {$220.00}. 
I have documentation of the item shipped, received. And where XXXX credited back Affirm. I also have a screenshot from the AFFRIM XXXX showing where this {$220.00} is pending, but they will not release this pending because they say it is the wrong amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 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:
Im in disagreement with the account listed below which still appears on my credit report, even after your investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX XXXX XXXX, account number XXXX. 

In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so I may follow up. Please send me an updated copy of my credit report after your investigation.

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 2024-06-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, we opened XXXX separate CD accounts with Chase Bank, at the branch located at XXXX XXXX XXXX XXXX, XXXX IL XXXX. We did this in person. 

The first account was a 5 month CD for {$250000.00} at 3.92 % interest ( APY 4.00 % ) The second account was a 14 month CD for {$120000.00} at 3.68 % interest ( APY 3.75 % ) When I inquired several months later about the interest for the CD 's I was told that the CD 's were closed the next business day, by CHASE. I inquired with XXXX XXXX, the relationship manager at Chase and said she would look into it. Upon getting back to me, she said that there was a glitch in Chase 's system that caused the newly opened CD 's to be closed the next business day. She confirmed that Chase was at fault and would work on a resolution. Since that time, and most recently, I visited XXXX XXXX personally and on XX/XX/XXXX, she said she would 'escalate ' it to her escalation team. I followed up with XXXX XXXX again on XX/XX/XXXX, and told her I had not heard from anyone and that I would be filing a complaint with the CFPB. Since then, I have received one call from the 'escalation ' team on XX/XX/XXXX, with a XXXX  XXXX of XXXX. When I called back, the same day the voicemail was sent to me, I left my information with them and have since not heard back anything. 

Chase owes us the full interest on the CD 's that were opened in good faith, and the subsequently closed by Chase, without any authorization or direction from us. 

The amount of interest that should have accrued on the accounts was {$9600.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-06-28 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: NV

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2024-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$9000.00} XX/XX/XXXX XXXX XXXX XXXX CA - {$20.00} XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX {$4500.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX NV Services {$4500.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXX XXXX XXXX XXXX CA Services {$20.00} XX/XX/XXXX SQ XXXX XXXX XXXX OH Merchandise {$4500.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX TRANSFER BALANCE Other/Miscellaneous {$18000.00} XX/XX/XXXX XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$440.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$440.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$2500.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$5000.00} XX/XX/XXXX RETURNED XXXX XXXX {$2500.00} XX/XX/XXXX RETURNED XXXX XXXX {$5000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$35.00} XX/XX/XXXX PHONE PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$50.00} XX/XX/XXXX RETURNED XXXX XXXX {$35.00} XX/XX/XXXX RETURNED XXXX XXXX {$50.00} XX/XX/XXXX RETURNED PHONE PAYMENT {$16000.00} XX/XX/XXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$6.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX CA Services {$82.00} XX/XX/XXXX XXXX. 
DATE PAYMENTS AND CREDITS AMOUNT FEES FOR THIS PERIOD AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX CASHBACK BONUS STATEMENT CREDIT - {$210.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$16000.00} XX/XX/XXXX RETURNED INTERNET PMT {$16000.00} XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$200.00} XX/XX/XXXX TRANS. 
DATE PAYMENTS AND CREDITS AMOUNT INTEREST CHARGED FOR THIS PERIOD AMOUNT XXXX TOTALS YEAR-TO-DATE CHARGED AMOUNT CURRENT BILLING PERIOD : TYPE OF BALANCE XXXX XXXX XXXX EXPIRES BALANCE SUBJECT TO INTEREST RATE INTEREST CHARGE XX/XX/XXXX INTERNET PAYMENT - THANK YOU - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
On XX/XX/year>, I filed a dispute to update the balance of my XXXX XXXX XXXX XXXX account, which was an installment car loan. I paid the balance off ; therefore, I wanted the balance to reflect {$0.00} and paid in full. I submitted account documentation that demonstrated I paid the account in full. 

The dispute process took 30 days ; after the dispute process was over, TransUnion deleted my account instead of updating the balance. My credit score has now dropped because the debt to available credit has increased. This error has caused me not to receive credit for all of the on-time payments I made in the past, as well as paying the balance off. 

I called TransUnion customer service number and spoke to a representative who told me they could not assist me and that the dispute results were final.

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 2024-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: NV

Complaint narrative:
I am writing to formally dispute an account that appears on my credit report. The account in question is from RADIUS GLOBAL SOLUTIONS with the original creditor being XXXX. 

Here are the details of the account : Account Number : XXXX Date Opened : XX/XX/year> Original Balance : {$380.00} Current Balance : {$380.00} Status : Collection account, {$380.00} past due as of XX/XX/year> Balance Updated On : XX/XX/year> Status Updated On : XX/XX/year> I believe this account is inaccurate for the following reasons : Discrepancy in Balance Details : Despite my repeated attempts to resolve this matter with XXXX directly, the account remains unresolved. The balance does not accurately reflect the payments and adjustments made. 
Questionable Collection Practices : The account was transferred to RADIUS GLOBAL SOLUTIONS without proper notification or validation of the debt, which is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 
Lack of Proof of Original Debt : RADIUS GLOBAL SOLUTIONS is not the original creditor and has failed to provide proof of my wet signature on any contract or agreement that substantiates this debt. 
Credit Report Impact : The account 's status as a collection account has had a significant negative impact on my credit score, affecting my ability to secure financing and other credit-related opportunities. 
Given these circumstances, I am requesting the CFPB to investigate this matter and assist in having this account removed from my credit report. I have attached copies of relevant documents, including my correspondence with XXXX and RADIUS GLOBAL SOLUTIONS, and my credit report showing the disputed account. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution.

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