vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
I am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter.

The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from 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 explanation
Consumer complaint received 2024-03-13 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: 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 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 2024-03-13 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: TX

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 2024-03-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hereby formally request the removal of this erroneous entry from my credit report. I did not authorize its establishment or utilization. Enclosed are the necessary documents to support my claim. 

I urge you to swiftly rectify this inconsistency on my credit report. I assert that this entry is not associated with me and have strong suspicions of its fraudulent nature.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: AL

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 2024-03-13 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: AL

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 2024-03-13 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: AZ

Complaint narrative:
It has come to my attention that your reporting of my account information to the credit bureaus may be inaccurate or incomplete, particularly concerning utilization data and account history. As a consumer, I am fully aware of my rights under federal law, including those outlined in the Fair Credit Reporting Act ( FCRA ), the Consumer Credit Protection Act ( CCPA ), and the Privacy Act of 1974. Your disregard for these laws and regulations is unacceptable and will not be tolerated. Fair Credit Reporting Act ( FCRA ) - 15 USC 1681 et seq. Consumer Credit Protection Act ( CCPA ) - 15 USC 1601 et seq. Fair Debt Collection Practices Act ( FDCPA ) - 15 USC 1692 et seq. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies. 16 CFR Part 660 : Duties of Furnishers of Information to Consumer Reporting Agencies. I demand that TransUnion immediately review and rectify any inaccuracies in the reporting of my account information to the credit bureaus. This includes updating utilization information and ensuring the accuracy of all data reported.

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 2024-03-13 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 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: AL

Complaint narrative:
I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as XXXX and XXXX XXXXXXXX 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 2024-03-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: OneMain Finance Corporation
State: CA

Complaint narrative:
I did not apply for a secured loan with OneMain financial. I have a power of attorney durable that has been in effect since XXXX. I advised one main financial in person and in writing for which I have a witness to that I had a power of attorney and I am unable to execute a secured a title loan with then they proceeded with this fraudulent transaction anyways. They forged my electronic signature. I never signed for this in person or with a line what signature or with a witness or with a notary my California durable power of attorney is very explicit, that I am not to enter into any financial transactions, regardless of what type that they are, they violated and breached my power of attorney, and they did not collect my named agents authorization from my power of attorney. As a member of the XXXX  community, who is a XXXX and XXXX this is an abuse towards members of this community, and I need some resolution. 

OneMain financial then fraudulently attach themselves as a lienholder to the California DMV and paid off my fathers XXXX loan, which did not have authority from me and my father or my power of attorney I need them to refund XXXX so then I can refund one main financial in full for the money that they illegally deposited into my account. The money is still in my account. I have not used it all {$4.00} is still in my account. I want to refund one main financial, this is elder abuse against my father who is XXXX in the primary on the XXXX car loan and abuse towards me. I XXXX XXXX member of the community. 

On XX/XX/XXXX, I made OneMain financial once again, aware that I had a power of attorney I made them aware in writing, since they refused to acknowledge my power of attorney in person, verbally for which I have a witness to, and this witness will testify under oath that she heard me tell one main financial in person over the phone and saw me write it out in an email that I have a power of attorney and they fraudulently Signed electronically I never sign electronically. I am prepared to take them to court. They already have an enforcement action against him from XX/XX/XXXX for {$10.00} XXXX for this very same behavior them responding is not enough they need to refund XXXX and when they refund XXXX and take themselves off of my dads car registry, I will refund them in full for the amount that they deposited into my account with all my authorization for which I have a witness to my durable power of attorney goes into affect the day that it was signed not when I am in capacitated per the clear instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: TX

Complaint narrative:
Regarding the accounts below, I am writing this letter. That is really hurting me and is on my credit record. These accounts are on my credit record because I am a victim of identity theft and my information was hacked. The fact that these accounts are not mine and that I shouldn't be held accountable for something that was opened up without my knowledge really affects me a lot. I have no doubt that none of you would want to pay for a product or service about which you know nothing, have never used, or had any dealings. I should be in the process of purchasing a house sometime in 2024, and I may even obtain a promotion that involves a credit check at work. 

As required by what I read on the Consumer Financial Bureau of Protection website, I will also be sending my identification card and proof of address. I will be adding an FTC report with the number XXXX that I was given when I filled out the form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I insist on the removal of this late payment from my account, as it inaccurately portrays my payment history. I have consistently adhered to making timely payments, and it is unjust to be burdened with this erroneous entry. I urge you to take immediate action to update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 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: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I purchased an item online. When the product did not arrive I tried to reach out to the company. The company is not legit. here is their website and phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I opened a dispute with American Express and they came back that the charge is valid. I do not know what research they did but they did not provide me with any info or communication about the dispute and there is nothing in my online account. I suspect AE was not able to recoup funds from this bogus company so they determined the changes are valid. 

I was required to reopen the dispute with AE but they would not let me open the dispute for same reason. I also suspect this is a oversees operation where bogus website are opened to sell merchandise at a steep discount then never deliver. 

American Express need to honor this dispute as valid and credit my account for the {$120.00}. I also request CFPB look into AE fraud dispute practices and see what info they were provided and how it is communicated to customers. They lack proper controls and oversite to effectively manage this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Im having a problem getting Cash Back funds owed to me when I closed my Chase Sapphire Visa account on XX/XX/XXXX. I was informed that the remaining XXXX Ultimate Rewards points I had left in my Chase account would be directly deposited to my personal bank checking account in the amount of {$380.00}. The same day I closed my Chase Sapphire Visa account I received an email confirmation that stated Congrats ****! Your rewards will soon be a direct deposit. It also stated Your Cash Back is on the way, ****! and the Ultimate Rewards Order Summary indicated a Cash Amount of {$380.00}. 

I called Chase Customer Service on XX/XX/XXXX to see why the Cash Back was never sent to my checking account and I was told that they would look into it. After not hearing back for two weeks I called Chase Customer Service again on XX/XX/XXXX and this time I was informed that there was nothing that could be done since the account was closed. I asked to speak to the Customer Service supervisor who reiterated again that there was nothing they could do since the account was closed. 

I sent a letter to XXXX XXXX XXXX, CEO of Chase on XX/XX/XXXX with all the pertinent details along with a copy of the Chase Cash Back email confirmation, and requested that it be forwarded to the proper department for getting the funds owed to me. The letter was confirmed to have been received on XX/XX/XXXX ; however, to date I have not heard back from anyone on how to receive the entitled Cash Back funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-03-13 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Moving forward I would like you to stop reporting to all credit reporting agencies that I owe any amount to your company. Remove all false debts from my reports ASAP. I would also like your company to mail me via postal mail. All the changes have been made or attempted to be made within 10 days of this complaint. I demand to be compensated as well for pain and suffering.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I enter my name an seen it was in the database breach

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 2024-03-13 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 have contacted all 3 bureaus and informed them all that 1. XXXX XXXX is a charge off.account and according to FCRA 15 US Code 1691eb that I have not received a XXXX for it also they have written it off on their taxes. So it is illegal to remain on my credit report. It must be removed immediately. 
2 XXXX XXXX has claimed over and over that it is mine. They have shown no proof at all. They just keep stating its mine along with stating its closed but it's still appearing open and if it is closed it is considered charged off and has not been given proper information to show it is charged off anything. 
3. XXXX was proven to not be mine and removed from my credit report. Then they claimed it was mine so they reinserted it without proof that it is mine. Along with it's a charge off account and FCRA 15 us Code 1681eb I didn't receive a 1099 and I know they were able to write off on taxes. 


These illegal practices need to be handled ASAP or I'll gladly take this way beyond small claims I'll take this federal because this is illegal and messing up my livelihood. So these items need to be removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Lvnv llc is trying to collect XXXX different debts XXXX for XXXX and XXXX for XXXX for utilities opened in my name I have no utilities in my name the company I work for pays my rent and utilities I only pay internet both accounts were opened on the same day I have been taking care of my credit for years and this is really impacting it please help me get this resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I have a current fraud alert for unrelated incident. However, recently notified by XXXXXXXX XXXX that my info was involved in info breach. XXXX XXXX XXXXXXXX inquiries not mine wish to have removed from credit file.

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 2024-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Diverse Funding Associates LLC
State: OH

Complaint narrative:
DNF appeared on my consumer report on XXXX in the amount of {$1400.00}. I have no knowledge of this debt and did not receive an opportunity to validate the debt within five days of it appearing on my consumer file. I sent a letter and received no response from the company asking for validation, signature receipt or anything like that.

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 2024-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
These inquiries need to be removed. I have no information about them, and the company acted without my approval.

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