vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

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 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Had a message from a loan offer, and gave information to proceed with the Loan. I was asked to send bank information and access to bank account so funds could be deposited via electronically with access to bank account. This move gave access, tried to close and protect the bank account and cancel loan. There multiple reversal Claimld transactions on bank account, and additional charges that werent authorized by owner of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account pertains to a transaction and experience that fall under the exclusion section of the Fair Credit Reporting Act ( FCRA ) definitions and rules of construction. It was reported without my written consent, constituting identity theft as defined by the Federal Trade Commission ( FTC ). Therefore, this account must be deleted from my credit report. 
Firstly, this account is not related to any transaction authorized by me, the consumer. I did not provide any written instructions or consent to your agency to report this account. Reporting an account without the consumers explicit consent is a clear violation of the permissible purpose section of the FCRA. According to this section, credit information can only be reported with the consumers permission or for a permissible purpose defined by the FCRA, neither of which applies in this case. 
Furthermore, the reporting of this account without my authorization directly implicates your agency in willful non-compliance with the FCRA. Under the civil liability section of the FCRA, willful non-compliance holds your agency liable for damages, including actual damages, punitive damages, and costs of legal action, which includes attorney 's fees. At a minimum, I am entitled to statutory damages of {$1000.00} per violation for this willful non-compliance. In addition to the FCRA violations, this unauthorized reporting also constitutes identity theft as defined by the FTC. Identity theft occurs when personal information is used without consent to commit fraud or other crimes. In this case, my personal information was used without my permission to create and report this account, thereby meeting the definition of identity theft. As such, the account is illegitimate and should be immediately removed from my credit report. Given these clear violations, I am formally requesting that this account be deleted from my consumer report immediately. Failure to comply with this request will leave me with no choice but to seek legal action. I have been advised by my attorney that these violations provide sufficient grounds for a lawsuit under the FCRA. Not only did your agency fail to obtain my consent, but you also neglected to follow proper procedures for reporting and handling consumer information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
Someone stole my personal information and opened Banana republic factory There were purchases made under those XXXX XXXX of almost XXXX dollars. I have been receiving mails from debt collectors asking me to pay that amount that I have no idea where it comes from

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 2024-07-16 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: TX

Complaint narrative:
" I reviewed my consumer report and informed your agency on XX/XX/year> about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: TX

Complaint narrative:
Several accounts on my consumer report are linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. Following my recent communication with your organization about this issue, I am formally requesting the immediate blocking and removal of these accounts from my report. Their presence has inflicted considerable emotional and financial strain, as they misrepresent my credit history and obligations. If this matter is not adequately resolved, I am prepared to pursue legal action to safeguard my rights and seek a resolution. These fraudulent entries have impeded my ability to achieve crucial financial objectives, such as purchasing a home and providing for my family 's needs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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: NY

Complaint narrative:
These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Synchrony Bank /Paypal credit has inaccurately reported information on my credit report. 
Violations include but not limited to the Evidence of claim that is attached.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I value my credit a lot and the inaccuracy in my report has negatively affected my financial opportunities as well as my mental health

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: WI

Complaint narrative:
XX/XX/year> at XXXX I tried to deposit {$540.00} into the ATM machine located at the US Bank at XXXX XXXX XXXX XXXX, XXXX, WI. The deposit was rejected and it sent back {$520.00} and said there was a metal object in the machine and to clear the machine and redeposit. I checked and did not see anything, i put the money back in and I received a receipt saying there was a machine error occurred and unable to credit or return some of the items you attempted to deposit. It did not return anything. A flash came up that the ATM is out of service. I was ready to drive away and the ATM became available. I put my card in and and selected Deposit cash, just to make sure the cash was not there. It was not. On my way home, I called the number on the Machine error receipt XXXX and submitted a report I was given Claim # XXXX XXXX XXXX XXXX 
On Friday, XXXX I called XXXX and spoke to XXXX who said he would put paperwork in the expedite the claim. 
On Monday, XXXX I called XXXX and spoke with XXXX and then XXXX who told me to talk to the branch and that they may be able to credit the account while investigation is being done. They waid it could take up to 45 days. 
On Tuesday, XXXX I called the branch XXXX and spoke to XXXX and then XXXX, she said I was given false information but that they would put through an email to get more information and I should call back Wednesday or Thursday and gave me another number to call XXXX. 

I am getting misleading information and I still do not have my {$540.00} deposited into my account. 

There are camera 's on these ATM machines, they should be able to view it and see what happened. Also, they should have {$540.00} extra and not be able to balance out the machine. 

I deposited XXXX {$100.00} bills and XXXX {$20.00} bills. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI 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 2024-07-16 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: WI

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX, XXXX and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX. XXXX XXXX  - XX/XX/2024 XXXX. XXXX - XX/XX/2024 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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-16 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-07-16 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: FL

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 2024-07-16 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: NY

Complaint narrative:
According to FCRA 605B, we are obligated to eliminate any erroneous accounts from my credit report. Could you please review the documents? Several of the listed accounts are inaccurately reported. I am entitled to {$1000.00} for each incorrectly reported item on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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:
The inaccuracies on my credit report are a big hindrance to my financial freedom, my application for new credit keeps getting denied because of this. It is so frustrating that my rights as a consumer is being violated.

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 2024-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
EXPERIAN KEEP MESSING WITH MY CREDIT SCORE FOR NO APPARENT REASON! I AM SO SICK AND TIRED OF THIS CREDIT BUREAU. I DO NOT UNDERSTAND THE FUEDING HERE, BUT I WILL KEEP FIGHTING THEM AS LONG AS THEY ARE VIOLATING ME FOR NO REASON. WTH..IS WRONG WITH THE PEOPLE THAT RUNS EXPERAIN. I DO NOT CARE XXXX IS THERE PROBLEM BUT EXPERIAN HAD BETTER FIND ANOTHER CONSUMER TO KEEP # # # # # WITH. OK... I DO NOT UNDERSTAND THE HOSTILLITY. EXPERAIN IS RETAILATING AGIANST ME OK. CPA MAKE THIS BS STOP! I WILLNOT KEEP TOLERATING THIS UNNECESSARY ABUSE OF BEHAVIOR FROM EXPERIAN. THERE IS NO REASON FOR THIS! IF THIS RETALIATION IS BECAUSE I AM GETTING READY TO SUE THE XXXX OUT OF THIS BUREAU, THEN EXPERIAN JUST NEEDS TO LEAVE MY CREDIT REPORTS ALONE! I HAVE DONE NOTHING TO EXPERIAN .. EXPERAIN XXXX FOR NO REASON SCREWING WITH ME AND I AM NOT HAVING THIS HARASSMENT FROM EXPERAIN XXXX AS OF TODAY, EXPERIAN GETS BACK AT ME BECAUSE I CONTACTED CONSUMER PROTECT TO FILE COMPLAINTS AGAINT EXPERIAN FOR HARASSMENT, VIOLATIONS OFMY BAKRUPTCY AND VARIOUS OTHER THINGS. I AM SO GLAD MY BANKRUPTCY HAS NOTIFIRED ME AND IS NOW GETTING INVOLVED TO STOP EXPERIAN. THIS IS THE MAIN REASON WHY I AM SUING THE EXPERIAN CREDIT BUREAU. EXPERIAN KEEPS BREAKING LAWS AND VIOLATING ME FOR NO APPARENT REASON. I HAVE NO IDEA WHO THESE PEOPLE THAT RUN THIS CREDIT BUREAU ARE PERSONALLY I DON'T GIVE NOT ONE DAMMM OK ... JUST MAKE EXPERIAN STOP THE HARASSMENT. 
AS OF TODAY, EXPERIAN STARTED RETAILATING AGAINST ME BY SCREWING WITH MY XXXX XXXX? WHY ... FILING DISPUTES HAS NOT XXXX XXXX XXXX TO DO WITH THE CHANGES IN MY XXXX XXXX AT EXPERIAN. XXXX EXPERIAN DROP MY SCORE XXXX POINTS FOR? 
AS OF TODAY, I AHD A XXXX XXXX OF XXXX AND NOW AS OF TODAY MY XXXX XXXX DROPS TO A XXXX? FOR WHAT? I'VE DONE NOTHING WRONG! PLEASE ASK XXXX WHY... YOU KNOW CONSUMERS CAN NOT REACH THESE FAKE XXXX PEOPLE ON PHONE OK... THIS CREDIT BUREAU EXPERIAN IS FACING DANGERIOUS WATERS .... EXPERIAN BROKE LAWS BY WORKING XXXX WITH OTHER CREDITORS TO PURPOSLEY RUIN ME WHY... THERE IS NO REASON FOR THIS MESS. XXXX THIS XXXX! CONSUMER PROTECTION WHERE THE XXXX IS MY PROTECTION FROM YOU? WHERE ... THIS RETAILATION EXPERIAN IS STRICKING AGAINST ME IS UNNECESSARY. THIS IS ELDER ABUSE AND I AM NOW GOING TO GET IN TOUCH WITH DEPT. OF JUSTICE CIVIL RIGHTS DIVISION TO PUT A COLD STOP TO THIS UNNECESSAY HARRASSMENT FROM XXXX. CPA YOU HAD BETTER STOP THIS HARASSMENT FROM EXPERIAN ITS YOUR RESPONSIBILITY!

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 2024-07-16 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I purchased three gift cards this year for relatives, worth XXXX, XXXX, and XXXX dollars respectively. OF COURSE there's no issues with the lower balanced cards, instead I get informed that the XXXX one isn't working. Wondering what the issue is, I took it and searched up its information on the vanilla gift card website, only to find that the card had been drained of all its funds. I called the number they provide online for assistance ( XXXX ) but that didn't go anywhere. XXXX is a lot for the average person right now, I can't just let it go down the drain without a fight.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: FIRST PORTFOLIO SERVICING INC
State: NC

Complaint narrative:
This collection is on my credit report but I never received a 1099C for this charged off debt. provide me with 1099C to accurately reflect this as a charge off for tax purposes and update or delete immediately. Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please provide me with the description of the procedure used to determine the accuracy and completeness of the information, to be provided within 15 days of the completion of your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
Original creditor : XXXX XXXXXXXX XXXX Debt Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Contact date XX/XX/XXXX End date XX/XX/XXXX Amount : XXXX I am a victim of identity Theft since XX/XX/XXXX This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-16 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: LA

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 :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-16 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

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 2024-07-16 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
The adverse rating on my account is a source of deep concern. I'm gravely worried about its detrimental effects on my credit standing. This negative mark has already led to the rejection of a recent loan application and escalated interest rates on my current credit accounts. The financial hardship and emotional toll this unfavorable rating has inflicted, and will continue to impose until resolved, are significant.

Company response to consumer: Closed with explanation