vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-04-03 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:
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 2024-04-03 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: GA

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. The following are the accounts that I wish to remove from 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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: TN

Complaint narrative:
I apparently made a mistake in my loan payment, US Bank had me on autopay for certain amount for my HELOC account, I tried changing autopay to add extra to pay it of quicker, It gave me a message that said that in order for me to do that, I had to remove autopay, I did remove it and I could not add an additional amount to pay off loan quicker, so the dame exact date that I removed it, I set autopay again. Apparently when I set autopay back on, there was not enough time to receive the payment when it was due. I was thinking that payment would automatically be made, US bank never called or sent me a letter saying my payment was late, the only reason I knew that my payment was late was because I received a notification from my credit monitoring that I had a payment missed by 30 days. US bank never made an intention to get a hold of me, I am very upset of this company, they ruined my near perfect credit. I can provide a credit report where it shows exceptional credit history. Please help.

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 2024-04-03 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: Open Dealer Exchange, LLC
State: MO

Complaint narrative:
These inquiries did not have approval to run my credit on XX/XX/2022, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, 700CR/XXXX Please remove these from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: EQUIFAX, INC.
State: WA

Complaint narrative:
Multiple inquires on my credit report back in XXXX of XXXX and beginning of XXXX that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: IL

Complaint narrative:
I strongly advise against including this suspicious entry on my credit report. It does not belong to me, and its presence is highly concerning. Please take the appropriate measures to rectify these inaccuracies.

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 2024-04-03 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: GA

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. The following are the accounts that I wish to remove from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: GA

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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year>24 I applied for a Capital One Secure Credit Card {$1000.00} was taken from my bank account and I was told virtually I was approved for this card. Going forward to XX/XX/year>24 I recieved my card in the mail. I called the XXXX number to activate the card I was transferred to a representative who informed me my account was closed on XX/XX/year>24 I asked when will I recieve my money back since your company cancelled my card and I did not recieve what I paid for or put a deposit down for and the rep responded with a few billing cycles a couple months. I spoke with a supervisor and asked same questions same answers and I found out that nobody at capital one can tell me why my account was closed but the inquiry stays on my credit report and I am out XXXX dollars until they decide they want to give it back to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I discovered inaccurate accounts that need to be reported and corrected by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Hello, my name is XXXX XXXX and I am writing to delete the following information in my file. The items I need to be deleted are listed in the report. I am a victim of identity theft and did not make this change. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible

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 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted this complaint to update this suspicious information. XXXX Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX : {$30000.00} - XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: CA

Complaint narrative:
I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LD Holdings Group, LLC
State: TX

Complaint narrative:
Loan Depot Complaint RECEIVED NOTICE OF MY PERSONAL SENSITIVE INFORMATION NOT BEING PROPERLY SECURED BY LOAN DEPOT WHICH HAS LED TO A DEEPLY DISTURBING AMOUNT OF PROBLEMS INCLUDING, MY INFO FOUND ON DARK WEB, XXXX ACCOUNT HACKED AND OBSURD MESSAGES SENT TO FAMILY AND FRIENDS, ATTEMPTED UNAUTHORIZED CHARGES ON MY DEBIT CARD. FRAUD ALERTS FROM XXXX. XXXX XXXX, AND XXXX. EMAILS SHOWING UNAUTHORIZED USE OF MY ACCOUNT. IVE SPENT DAYS CONTACTING BACKS CHANGING ACCOUNT NUMBERS, ORDERING NEW CARDS, CREDIT FREEZE AND LOCKED, REPORT TO FEDERAL TRADE COMMISSION, DILIGENTLY CHECKING ALL MY ACCOUNTS FOR UNAUTHORIZED USE AND CHARGES. CONTACTING LAWYERS. ID LIKE TO KNOW HOW LOAN DEPOT WILL BE ACCOUNTABLE FOR THIS BREECH AND LEAK OF MY INFORMATION WHICH HAS CAUSED EXTREME XXXX DISTRESS AS WELL AS XXXX XXXXXXXX XXXX FOLLOWED BY EXTREME XXXX. 


Key Facts : I received a notice from Loan Depot indicating a data breach compromising my personal sensitive information had taken place.. 
This breach has led to significant problems, including : My information appearing on the dark web. 

My XXXX account being hacked and used to send inappropriate messages to contacts. 

Unauthorized attempted charges on my debit card.

Fraud alerts from XXXX, XXXX XXXX, and XXXX. 

Emails showing unauthorized use of my accounts. 

I have spent considerable time and effort addressing these issues, including : Contacting banks and changing account numbers. 

Ordering new cards. 

Implementing credit freezes and account locks. 

Reporting the incident to the Federal Trade Commission. 

Monitoring accounts for further unauthorized activity. 

Consulting with lawyers. 

Desired Outcome : I am seeking to understand how Loan Depot will be held accountable for this breach and the resulting XXXX XXXX, XXXX, and XXXX XXXX I have experienced. 
I expect Loan Depot to offer a comprehensive solution to address this situation and restore my sense of security and to rectify this horrific incident. 
Documentation : I have received a written notice from Loan Depot regarding the data breach dated XX/XX/2024 I have documented communication with relevant institutions regarding fraudulent activity. 

Contact Information : Loan Depot Headquarters LoanDepot.com, LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, California XXXX, United States.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: OH

Complaint narrative:
TransUnion XX/XX/XXXXXXXX  **Current Credit Score XXXX I have had to keep my credit file frozen for illegal attempts. I have literally been in tears, I finally opened a LLC which is in my name XXXX XXXX XXXX XXXX, and these XXXX illegal items remain on my report that I have been disputing and pleading to get removed for over XXXX days. I know your tired of my submissions but please remove these illegal items. This is hurting my company because I can not obtain funding with derogatory marks on my report. These are the only XXXX things that continues to hurt like SEVERELY HURT MY SCORE! Im asking for the millionth time please remove these items off my report. Its seriously has hurt my future with these illegal items thats still being closed/reopened on my credit report even dating til XX/XX/XXXX. My score keeps fluctuating because I will not stop deleting these illegal/fraudlent accounts that was ILLEGALLY obtained in my name and various different avenues. My information is currently still being breached on the dark market as I attached its the reason why I froze my report. 

Please remove these XXXX illegal items off my **TRANSUNION** credit report as I have previously stated over 4 months ago +. Please Remove!!!!!!!! 


XXXX XXXX XXXX  Balance {$13.00} XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX Balance {$150.00} XX/XX/XXXX I will not stop disputing. I opened a business, with an XXXX  and these illegal items are hurting me. I signed up for XXXX  XXXX  and XXXX, but I have to UNFREEZE MY REPORT so positive information can be added but I need these XXXX illegal items removed. 

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 2024-04-03 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: OH

Complaint narrative:
These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax Inquiries XXXX XXXX XX/XX/2024 XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXXXX/XX/2024 Please remove these illegal inquiries off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 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: OH

Complaint narrative:
These inquiries are totally illegal thats why i froze my report. Please remove. 

Equifax XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX CRED XX/XX/year> Please remove these illegal inquiries off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Unexpected or other fees — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX my mom and sister went to do a wire transfer to Chase Bank was there an hour and my XXXX XXXX XXXX had to sign multiple papers, sister said should have money in XXXX hours, never arrived. Called customer service she said it was rejected because my type of account doesn't allow wire transfer no where on Chases website can you read that. After I complained the girl said, '' it is what it is ''. On XX/XX/XXXX received a cashier 's check from XXXX XXXX  XXXX NY for {$25000.00} from my mother to replace my car totaled in accident. Deposited the check at Chase Bank, teller stated funds will be available on XX/XX/XXXX. I said wait this is a cashier 's check guaranteed, I understand it's a large amount. He said once the hold is placed tomorrow call the verification center. XXXX called spoke with XXXX she called XXXX XXXX  and spoke with XXXX XXXX who issued the check she told her client came to bank on XX/XX/XXXX purchased cashier 's check, check dated for XXXX and the check is good, XXXX gets back to me and tells me what she said but " your not getting your money today '' I went to closet branch to speak with manager, on vacation. Teller called to find me a manager no one available. Asked if he knew about EFAA he said no. Called verification center, same story she did say she sees the note check verified but issuing bank hasn't released funds, I asked for {$500.00} and if she knows about EFAA law, she did not. I said next day after deposit I should get {$200.00}, but I couldn't even get that. Called Chase headquarters I was told available date of XX/XX/XXXX stands, did she know about EFAA, no she said. Chase Bank has caused me financial hardship, i was going to buy a car today, had to cancel, called out of work didn't have enough for bus fare. Please look into this and maybe educate me more on cashier 's checks. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: NM

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 response to consumer: Closed with explanation
Consumer complaint received 2024-04-03 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: AZ

Complaint narrative:
I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XX/XX/2023 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 2024-04-03 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: PA

Complaint narrative:
I believe FCRA 605B mandates the elimination of any erroneous entries from my credit history. Can you verify the paperwork? Some of the recorded accounts contain inaccuracies concerning reporting, incorrect figures, and dates.

Company response to consumer: Closed with explanation