vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-22 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: GA

Complaint narrative:
My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extensions of credit to acquire a personal automobile for duties for my children. This leaves no other option than to take this to federal court to seek the highest claim of the Federal Reserve Act Section 29. 
CertMail # XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
Ive contacted credit bureaus on hard inquiries on and stated that I dont recognize who companies are on my credit report Ive filed identity theft report and I disputed I didnt give anyone my information or authorization to run my credit I have updated address new phone number 's and have added more security and credit monitoring fraud alerts to try to prevent I also appealed things .Ive stated that I want removed and I explained its hurting my credit score negatively

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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:
Defamation of character and failure to properly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
The existence of these fraudulent particulars constitutes a breach of the regulations outlined in 15 USC 1681C-2. I am submitting a formal request for the eradication of these unauthorized and illegal inquiries from my credit report. These deceitful inquiries not only present a misleading depiction of my credit history but also subject me to significant risks concerning my financial stability and reputation. It is imperative to promptly resolve this matter to safeguard my creditworthiness and preserve the integrity of my credit report. Consequently, I am seeking the expeditious removal of these fraudulent inquiries to reinstate the accuracy and reliability of my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have a place of residence in XXXX XXXX, FL. I also manage a business from this residence. In recent months before XXXX, i was in and out of the state due to my grandma being XXXX. Unfortunately she had passed in XXXX which i departed in the first week to my country leaving behind my Florida phone and accounts. I recently returned ( XX/XX/2024 ) and noticed my business phone along with my notepad of information was missing. I contacted the police and filed a report and reported a plethora of unauthorized charges on ALL my cards linked to my phone. The most used merchant was XXXX XXXX. I called chase made a claim and also submitted the police report. I explained it was possibly one of my workers and advised my icloud email was also compromised where most of my information was stored. i requested for new cards and new login information. After a few days i was told my claim was denied due to an issue that the first XXXX noted that was not valid. He did not report my phone was taken and not in my possession. I spoke to a supervisor " XXXX '' where she reopened my claim with all the correct information. Unfortunately it was denied again even after submitting the police report and everything else. I contacted chase again, where any further action was denied and advised i should look for legal representation. I feel completely defeated and alone. Even after i was promised by a rep named XXXX that i was not liable for unauthorized charges. which is not the case ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Repeated failures to meet established deadlines and timelines for updates and reporting on the bureau 's handling of this investigation, most recently the unmet XXXX deadline stated in your previous memo.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my 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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up for the WYNDHAM REWARDS EARNER BUSINESS CARD by Barclays Delaware. With the signup process there was introductory offer of : " Introductory Bonus Offer : Earn XXXX bonus Points after spending {$4000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 90 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. 

Earn XXXX bonus Points after spending a total of {$15000.00} on purchases, less credits, returns, and adjustments ( excluding timeshare down payment purchases from Wyndham XXXX XXXX XXXX XXXX, Wyndham XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related developer affiliates and partners ), within the first 365 days after Card Account open date. The bonus Points will be reflected on the billing statement after you have qualified to earn the bonus. Please allow 4-6 weeks for the bonus Points to be deposited into your Program Account. '' I have reached the first threshold of spending {$4000.00} to receive XXXX Wyndham points, however after checking my statement I only see a bonis of XXXX points. I tried calling customer service and they were unable to resolve the issue nor were they able to escalate it within their rewards department. Attached are two files, one is my statement from last month and another is the pending points when my current statement posts later this month. Note that the pending points are XXXX, XXXX of those points are from general spending and the XXXX points are the bonus introductory points after spending {$4000.00}. XXXX points are short of the terms Barclays and I agreed upon.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: IL

Complaint narrative:
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My payment was one day late on XX/XX/XXXX rather than XX/XX/XXXX & first time ever. PNC charged me {$27.00} late fee on XX/XX/XXXX on my XXXXXXXX XXXX. I thought these fees were capped at {$8.00}?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-05-22 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: NY

Complaint narrative:
I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS : 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 XXXXXXXX. Update Personal Info : DELETE NAME : XXXX XXXX. DELETE XXXX  : XXXX XXXX. 
DELETE FORMER : XXXX XXXX. DELETE ADDRESS : XXXX XXXX XXXX  ADD ADDRESS XXXX XXXX XXXX XXXX XXXX NY XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX ADD NAME : XXXX XXXX. ADD EMPLOYER : 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 2024-05-22 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: NY

Complaint narrative:
I pulled a copy of my credit reports and noticed fraudulent accounts and incorrect information that need to be DELETEDUPDATED. Pursuant to 15 USC 1681A ( 4 ) I am aware of MY RIGHT TO PRIVACY. Pursuant to 15 USC 1981c-2 the following accounts are to be DELETED within FOUR days of receipt of this letter on clear grounds of IDENTITY THEFTALLEGED IDENTITY THEFT as they were NOT originated nor authorized by me to be published. DELETE INQUIRYS : 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 XXXXXXXX. Update Personal Info : DELETE NAME : XXXX XXXX. DELETE XXXX  : XXXX XXXX. 
DELETE FORMER : XXXX XXXX. DELETE ADDRESS : XXXX XXXX XXXX. ADD ADDRESS XXXX XXXX XXXX XXXX XXXX NY XXXX. DELETE PREVIOUS ADDRESS : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ADD NAME : XXXX XXXX. ADD EMPLOYER : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to make it clear that I didn't give written permission for these specific transactions to be included in my consumer report. So, I'm formally asking for these accounts to be blocked and removed. It's important to stress that this request is not a mistake, and it's not based on any false information regarding why I want these transactions blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: MI

Complaint narrative:
3rd party debt collector purchased my debt from XXXX XXXXXXXX, I kindly thanked them for purchasing my debt and told them that my agreement was with XXXX XXXX and that my signature does not go on in perpituity. I have no such agreement with them and they purchased the debt from XXXX XXXX but are intent on trying to recoup their payment from me, and as a collection company are going to negatively report my non-payment to them on my credit report which I told them was illegal since they voluntarily purchased that debt. I am also sending them a notarized affidavit that States the following : Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Notice to Agent is notice to Principle, Notice to Principle is notice to Agent : To Whom It may concern, I understand you are doing your job, and I do not wish to make it difficult for you. I want to thank you, for paying my debt for me, for as a 3rd party debt collector you purchased this debt and the original creditor closed the account. I have no agreement with you and my signature does not go on in perpetuity. This is a color of law issue so I must insist on being provided a wet ink autographed copy of any agreement between you and myself. I do not wish to take you to court, so I implore you to grant my request and provide me with the aforementioned document. I look forward to your response. If you can not provide me with aforementioned document, I request that you not slander my good name by making any adverse report to any and all credit reporting agencies or garnishing my wages which is theft. I also ask that you cease and desist with any further actions. 

Kind Regards, 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 2024-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: IN

Complaint narrative:
Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-22 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: MA

Complaint narrative:
I am in telephone auto triage XXXX. I keep trying various options but ultimately am offered instructions on how to reset my password on line ( where my credentials ( social security number and birthdate are rejected ). When I ask for an agent I am told I can't be connected to an agent but they can mail me instructions on how to reset my password on line.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-22 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. Upon reviewing my Equifax credit report, I discovered an error regarding an account that was reported as 60 days late after being charged off. The account in question is with XXXX, and the account number is XXXX. According to my records and the history of this account, it was charged off on XX/XX/2019. The subsequent reporting of 60 days late on XX/XX/XXXXXXXX XXXX XXXX is inaccurate and misleading. There has been no activity on this account since the charge-off date, and it should reflect accurately on my credit report. I request that Equifax delete this account. As I previously ask for this account to be investigated and verified as accurate information. I was told all information was deemed to be accurate. I ask to rectify this matter promptly and delete the inaccurate reporting on my credit file. As per the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and the current information on this account does not meet those standards. Enclosed with this letter are copies of documents supporting my claim, including statements from XXXX showing the charge-off date and lack of activity thereafter. Please investigate this matter and delete this account from my credit report accordingly. I appreciate your prompt attention to this dispute and look forward to receiving confirmation of the resolution. Enclosures : Copy of XXXX Credit Report ( highlighting the inaccurate information ) Copies of supporting documents ( e.g., statements from creditor )

Company response to consumer: Closed with non-monetary relief