vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-12-02 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: IL

Complaint narrative:
THESE ARE NOT MY INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> PLEASE REMOVE THIS ON MY ACCOUNT

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 2024-12-02 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: AL

Complaint narrative:
" I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 

"

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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
SYNCHRONY BANK XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Account Number ending in XXXX Dear Sir : I am contacting you regarding the identity theft cited in the above referenced account. 
As required under the Fair Credit Reporting Act of 1960, I am requesting copies of all records relating to the illegal and unauthorized change of address your organization allowed an unknown fraudster to make to my personal information that allowed this person to make unauthorized purchases on my account referenced above. 
This request includes all investigation results taken to resolve your unauthorized change of address as well as any and all future precautions you will be making to prevent this unauthorized and unlawful act to occur in the future. 
This investigation should include the original identity verification records used to authorize this change of address as well as any internal correspondence regarding your investigation into this matter. 

Respectfully, 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 monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NJ

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Today is XX/XX/year>. I have had the Merrill Lynch+ Visa signature rewards credit card for over 20 years. I have charged more than {$50000.00} on the card tin XXXX  and want to take advantage of the " Plus Level '' benefits which include a {$200.00} statement credit. There is no representative at the bank who is aware of the program and can not help me. I have been on the phone, as I write this, for 2 hours and fourteen minutes and XXXX  seconds waiting to speak to the 4th associate of the call. The associate in XXXX XXXX named XXXX, has placed me on hold and clearly had no intention of helping me. Bank of America provides a XXXX. # to call but none of the associates are aware of my card or my program. They just keep transferring me ( ie credit cards, reward programs, Merrill Lynch client services, business accounts, etc. ). The phone number ( XXXX ) that is provided is NOT a conduit to resolve the issue. It is clearly a delaying and obfuscating tactic that will eventually lead me to give up trying to access my benefits. 
I have XXXX points in the program ( XXXX point for every dollar spent ) and BOA is trying to prevent me from obtaining the benefits that I am owed. 
I have now been on hold for over two hours : 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 monetary relief
Consumer complaint received 2024-12-02 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: NV

Complaint narrative:
I am filing this complaint regarding an unknown debt reported by XXXX XXXX on my credit report, which TransUnion is reporting. I have no knowledge of this alleged debt and have not been provided with any documentation to verify its validity. Despite my requests, neither XXXX XXXX nor TransUnion has validated the debt as required by law. The continued reporting of this account is causing undue harm to my creditworthiness. 

Under the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I have the right to request validation of any alleged debt. This validation must include clear documentation proving that the debt is legitimately tied to me, along with information about the original creditor and the amount owed. XXXX XXXX has failed to provide any of this information. 

Additionally, under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), TransUnion is obligated to ensure the accuracy and integrity of the information they report. By continuing to report this account without proper validation from XXXX XXXX, TransUnion is violating its legal responsibility to investigate and correct inaccurate or unverified information on consumer credit reports. 

I have contacted TransUnion multiple times regarding this matter, but no action has been taken to address the lack of validation or remove the unverified account from my report. The failure of both XXXX XXXX and TransUnion to comply with federal regulations has resulted in significant damage to my credit profile. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter thoroughly. I seek the immediate removal of the XXXX XXXX account from my credit report across all three credit bureaus ( TransUnion, XXXX, and XXXX ) unless proper validation of the debt is provided. The lack of compliance with the FDCPA and FCRA is unacceptable, and I ask for appropriate enforcement actions to ensure this issue is resolved promptly. 

Thank you for your time and attention to this matter. I look forward to your assistance in rectifying this situation.

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
After reviewing my recent credit report I discovered a number of items that are not accurate and are fraudulent items. According to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). The fraudulent accounts are listed below. 
XXXX XXXX opened XX/XX/XXXX Account # XXXX {$300.00} XXXX XXXX XXXX  Account # XXXX Opened XX/XX/XXXX {$240.00} XXXX XXXX XXXX XXXX Account XXXX Opened XX/XX/XXXX {$6300.00} XXXX XXXX XXXX XXXX {$4300.00} opened XX/XX/XXXX Account # XXXX I have sent a notarized affidavit, FTC report, and proper identification via registered mail to the credit reporting agency. According to 15 USC 1681s-2 they are suppose to 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 2024-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Capital One 's handling of an unauthorized account opened in my name, which has negatively impacted my credit score during my mortgage application process. This issue is causing significant financial harm, and I urgently need your assistance to resolve it. 

In XX/XX/year>, I contacted Capital One to request a credit line increase for my existing account. During that interaction, I discovered that an unauthorized second account had been opened in my name with a {$300.00} limit. I immediately informed Capital One that I had not authorized this account and did not want it. The account was closed the same day by a customer service representative. 

Despite the closure, this unauthorized account was reported to all three credit bureaus as a paid and closed account, which I never authorized. This reporting has caused a drop in my XXXX  scores, which has impacted my ability to qualify for a mortgage. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c ( a ), credit reporting agencies are required to ensure that only accurate and authorized information is included in consumer reports. Additionally, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ), furnishers of information ( like Capital One ) must not report information that they know or have reasonable cause to believe is inaccurate. 

I disputed the account with Capital One and was provided a case number. I also submitted disputes with all three credit bureaus. Despite this, I received conflicting responses from Capital One, including a request for information on the unauthorized account ( which I do not possess ) and confirmation that the account was paid and closed a misrepresentation of the facts. 

This situation has created an undue financial burden as I am in the process of closing on a home. My lender is scheduled to repull my credit on XX/XX/year>, and the erroneous reporting of this account jeopardizes my ability to proceed with the purchase. 

I am requesting your assistance to enforce compliance with the FCRA by requiring Capital One to : Immediately remove the unauthorized account from all credit bureaus to correct the inaccurate reporting. 
Provide written confirmation that the account has been deleted from my credit profile. 
This matter is time-sensitive, as the delay in correction will directly impact my ability to secure a mortgage and move forward with my home purchase. 

Thank you for your prompt attention to this matter. Please let me know if you require additional information to process this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-12-02 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX XXXX Account # : XXXX Balance : {$540.00} Date Opened : XX/XX/XXXX Account Status : XXXX XXXX Account # : XXXX Balance : {$130.00} Date Opened : XX/XX/XXXX Account Status : Open XXXX  XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed EXPERIAN** XXXX  XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX** XXXX  XXXX Account # : XXXX Balance : {$2000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRES Creditor Name Date of Inquiry Credit Bureau JXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2024-12-02 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIANXXXX 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 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 XXXXXX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: NC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal infomation made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2024-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A company trying to conduct a tenant background check for an apartment can not get access because I put a temp freeze on it, and when I couldn't unfreeze it, I called Equifax. 
I was asked to send in proof of residency because they had to address me in California. I have had 5-6 addresses in California, so why now??????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????????? 
So, I sent in a utility bill from my current residence along with a current California ID and social security card. Two weeks have passed, and they are telling me it was rejected. 
What the XXXX 

Time is of the essence, I asked to speak to the supervisor and they hung up the call without finding out why ....

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Verbiage 2.. Credit cards open without my consent and my data has been exposed and breached. American Express cards for XXXX, XXXX XXXX XXXX XXXX  for XXXX, XXXX and Ive sent letters but I need section 605b not a 30 day claims process

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 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: MD

Complaint narrative:
I am frustrated with the repeated delays in addressing accounts on my credit report that are both in pending litigation and 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 explanation
Consumer complaint received 2024-12-02 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: VA

Complaint narrative:
I DID NOT CONSENT TO THE FURNISHING OF THE LISTED ITEMS. PLEASE PROVIDE PROOF THAT I GAVE CONSENT TO LIST ON MY CREDIT REPORT OR REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2024-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: TapTap Send Inc.
State: NY

Complaint narrative:
Hello CFPB, I transferred an equivalent of {$200.00} ( which is XXXX XXXX XXXX  ) from my Taptap app ( Taptap is app to transfer money from US to XXXX XXXX or other currency ) to my XXXX back account on XX/XX/year> which is said to be delivered to by the TapTap app but unfortunately, this money was not delivered to my account. The recipient of the money is also self. They shared my session ID to give the bank, yet the bank said they did not see the money. I have been contacting Taptap send since they incidence but they keep giving me story that does not lead to any resolution and they are not committed to get resolution for me. 

I attached the receipt for transaction with this email : Session ID : XXXX Transaction ID : XXXX I have sent several mails to them without response and when I call them, they are just managing me. 

Kindly help me to look into this matter and resolve it. I will appreciate CFPB help to solve this dispute and get my money back, Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-12-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account from XXXX XXXX XXXX XXXXXXXX is still showing on my consumer report that is coming from TransUnion it has been deleted from XXXX because of the inaccuracies that I have previously made Transunion aware of attached is copy of deletion from my other consumer report this a clear violation of my consumer rights under USC 1692 ,15USC 1681, USC1666 and demand this be removed immediately this is having a very negative impact on my life as I am trying to start a business

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 2024-12-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: PA

Complaint narrative:
I applied for prequalification for vehicle financing with CarMax on XX/XX/year> and was approved. However, after completing the process and contacting CarMax, I was informed they would not do business with me. I did not receive an adverse action notice explaining the denial, which I believe violates the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). I also believe their prequalification process may involve deceptive practices. I request an investigation into this matter and an explanation of why I was denied financing.

Company response to consumer: Closed with explanation