vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-11 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: SC

Complaint narrative:
I am writing to dispute the accuracy of information on my credit report. I have recently discovered several accounts that I did not initiate and strongly suspect to be identity theft. These accounts are negatively impacting my credit score and financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX, and I'm reaching out to file a complaint regarding ongoing identity theft incidents. This is the third time I've filed a claim, and unfortunately, there has been no action taken. Despite my efforts, neither the credit bureau nor the involved companies have addressed my disputes. I believe that my rights as a consumer are being violated. As the victim in this situation, I'm feeling frustrated by the lack of assistance or responses from the entities responsible for overseeing credit reporting. If no further action is taken, I will have no choice but to pursue legal action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth Third XXXX XXXX XX/XX/2023 This inquiry is unauthorized and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: OK

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: I.C. System, Inc.
State: GA

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

Account name : I C SYSTEM INC 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 2024-03-11 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 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: MI

Complaint narrative:
Equifax is reporting XXXX accounts under XXXX XXXX that have been removed from my XXXX report due to inaccuracy. Despite their removal elsewhere i have shown proof of removal yet Equifax refuses to delete these accounts. This situation appears to breach the Fair Credit Reporting Act ( FCRA ), specifically violating FCRA Section 611. I am seeking prompt resolution in accordance with this code.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report.

I am formally requesting the blocking and deletion of these accounts.

It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
This concerns my PayPal Credit account, which I've maintained for a while and have occasionally used to benefit from their deferred interest offers on selected products. In XX/XX/2023, I had three such promotional offers active on my account. I made a payment of {$600.00}, intending to settle all these deferred interest balances. In XX/XX/2023, I informed PayPal Credit that this payment was meant to cover all three promotions. However, last month I was unexpectedly charged for all the interest. Today, I spoke with a representative who informed me that customers are required to call each month they intend to pay off a deferred account, a policy supposedly outlined in their terms and conditions on each statement. I have thoroughly reviewed every statement and found no mention of this requirement. Nor have I hard that this was the policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Indie Technology DBA Found
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase with my debit card online with a company called XXXX XXXX, this is when the issues began between this company and my bank, because this company placed a temporary hold on my account and stated that after few days it would fall off., The Hold hold wasnt resolved so I had to reach out to my bank to resolve it on their end I had to dispute the hold. It was eventually resolved, but not without pulling teeth from my bank for some reason. Fast forward to now. On XX/XX/XXXX I was charged again from this company. However, the issue is is that after I tried their products, I returned it and they acknowledge my return. But thats neither here nor there, I dont care about the merchant. 

What I care about and why Im submitting this complaint today is the fact that after all of that, I deactivated and deleted my debit card from my account. So I asked my bank how on earth can a charge be made through a card that has been deactivated and deleted.? it cant be, it shouldnt be, and its in their terms and their FAQ on their website that the only way this can happen is if it was pending prior it was not. I had no pending charges from this company. So my bank can not use that excuse either that the charge was pending. their excuse to me today on XX/XX/XXXX is that it is an unpaid bill that was forced through. I kept asking Found. Why do they feel they need to be in charge of my finances and make choices for me? To force through a payment ( that they stated is unpaid ) that I know was automated from the merchant and that the company has stated to me to ignore it because its a payment processing error since I returned the products during trial and canceled the subscriptionits been ignored XXXX previous times since XX/XX/XXXX, so when I demanded a reason as to why now that Found Bank has decided to allow that charge to go through they said that it was a forced charge from a supposed unpaid bill. 

My complaint is against Found Bank for allowing a transaction to go through on a deactivated and deleted card on my account as well as them, thinking that they can do whatever with my income that they choose to..even though it resulted in a negative balance on my account with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
This is my last attempt to get this fraudulent item off my Experian credit report. XXXX and XXXX have already removed it due to fraud but you continue to violation federal law by reporting fraudulent information not associated with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sunbit, Inc.
State: IN

Complaint narrative:
XXXX SUNBit Account # XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CA XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Inaccurate reporting of my Recent XXXX  XXXX Bankruptcies again they are leaving settle debt on credit reports and causing me pain and suffering upon applying for credit. This account was included in my XX/XX/year> XXXX Atty XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX, IN XXXX and has already been discharged 3 months to date! The XXXX  account was not delinquent during the filing process Why is XXXX? SUNBit ( Credit Card loan ) still reporting a Balance of {$160.00} ( it should be XXXX ) and it should have ceased in XX/XX/year> the month of XXXX and not to continue to display in box 30, 60 days late

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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:
Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made. 

These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these inquiries to be taken out in my name nor do they relate to anything I did. I'm unaware of any of 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 2024-03-11 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: CA

Complaint narrative:
This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: CA

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint 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 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of 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 non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
American Express has always been a good company to me for over a dozen years and have never had any problems until recently. My wife 's card information was stolen on XX/XX/2023 card was stolen and charged XXXX on XXXX. Then the next day XX/XX/2023 another three charges were made XXXX XXXX XXXX XXXX XXXX  for XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, XXXX for XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American Express called and informed me of these fraud charges. All of these charges were removed as fraud except for the XXXX. We disputed this transaction repeatedly and even filed a police report about this fraud charge. All other fraud charges were removed except for XXXX charge. American Express claimed that used correct zip code, so it wasn't fraud. I am unable to verify exactly what happened as it was my wife 's card, but I know she didn't make these charges as she doesn't buy things on the internet as she can't see to do so ( she is visually impaired and it is possible that someone could of stolen her card details ). She really only makes charges in person and American express knows this with her history of purchases. Usually she is with me when her purchases are made. She did not make this charge and American Express claim of 100 Percent fraud protection is just a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-11 00:00:00
Product: Credit card — General-purpose credit card or charge 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
On XX/XX/XXXX, I charged a deposit of {$710.00} to my Capital One credit card for the replacement of a small back porch. As I explained to their customer service, inferior materials were used by the merchant. After trying to resolve the problem with the merchant, on XX/XX/XXXX I reached out to Capital One to file a dispute. Im not sure if they understood my situation because after speaking to their customer service on XX/XX/XXXX, I was told that the information that I gave them had to be changed several times. They kept debiting and crediting the disputed amount as the months went by as well as sending me six conflicting letter. In their letter dated XX/XX/XXXX, additional documentation was requested to be received by XX/XX/XXXX. I received a letter dated XX/XX/XXXX denying the claim on the same day that I electronically sent all the emails with the merchant along with photos relating to the dispute. I called again, and was told at first they hadnt received anything, but after a while admitted that they had my documents. I dont believe that they understood my dispute that was not handled in a professional manner.

Company response to consumer: Closed with monetary relief